Home > Shelby County State Bank > Performance and Condition Ratios
Shelby County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 3,416 |
| Cost of funding earning assets | 0.7725% | 3,806 |
| Net interest margin | 3.5445% | 2,085 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1326% | 3,319 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4782% | 1,058 |
| Return on assets (ROA) | 1.4330% | 1,121 |
| Pretax return on assets | 1.5265% | 1,363 |
| Return on Equity (ROE) | 24.2800% | 341 |
| Retained earnings to average equity (ytd only) | 12.7966% | 528 |
| Net charge-offs to loans | -0.0031% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4733% | 3,447 |
| Assets per employee ($millions) | 6.8180% | 2,197 |
| Cash dividends to net income (ytd only)* | 47.3055% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,184 |
| Loan loss allowance to noncurrent loans | 158.1040% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,307 |
| Noncurrent loans to loans | 0.4119% | 1,753 |
| Net loans and leases to total assets | 69.4100% | 1,878 |
| Net loans and leases to deposits | 80.4765% | 2,065 |
| Net loans and leases to core deposits | 84.9587% | 2,381 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 6.5409% | 4,100 |
| Core capital (leverage) ratio | 9.7374% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $332,793,000 | 2,258 |
| Average earning assets | $321,310,800 | 2,201 |
| Average equity | $19,638,000 | 2,890 |
| Average total loans | $222,844,800 | 2,142 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,349 |
| Cost of funding earning assets | 0.6586% | 3,849 |
| Net interest margin | 3.6080% | 1,989 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1283% | 3,275 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5560% | 1,009 |
| Return on assets (ROA) | 1.5503% | 1,013 |
| Pretax return on assets | 1.6507% | 1,258 |
| Return on Equity (ROE) | 27.0300% | 308 |
| Retained earnings to average equity (ytd only) | 14.0688% | 665 |
| Net charge-offs to loans | 0.0134% | 1,917 |
| Credit loss provision to net charge-offs | 772.7273% | 480 |
| Earnings coverage of net charge-offs (x) | 194.5455% | 610 |
| Efficiency ratio | 55.2301% | 3,467 |
| Assets per employee ($millions) | 6.5346% | 2,305 |
| Cash dividends to net income (ytd only)* | 47.9459% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 4,218 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,516 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.1300% | 2,031 |
| Net loans and leases to deposits | 75.3149% | 2,472 |
| Net loans and leases to core deposits | 78.6970% | 2,699 |
| Total domestic deposits to total assets | 90.4600% | 824 |
| Equity capital to assets | 5.3781% | 4,175 |
| Core capital (leverage) ratio | 9.5089% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $330,766,250 | 2,263 |
| Average earning assets | $319,465,500 | 2,211 |
| Average equity | $18,973,000 | 2,939 |
| Average total loans | $219,016,000 | 2,162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,382 |
| Cost of funding earning assets | 0.5719% | 3,829 |
| Net interest margin | 3.5861% | 2,071 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.0759% | 3,410 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.6018% | 943 |
| Return on assets (ROA) | 1.5934% | 959 |
| Pretax return on assets | 1.7151% | 1,177 |
| Return on Equity (ROE) | 27.2100% | 288 |
| Retained earnings to average equity (ytd only) | 14.7325% | 593 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.6927% | 3,638 |
| Assets per employee ($millions) | 6.6242% | 2,190 |
| Cash dividends to net income (ytd only)* | 45.8601% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,158 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,334 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.7100% | 2,084 |
| Net loans and leases to deposits | 73.3182% | 2,559 |
| Net loans and leases to core deposits | 75.6015% | 2,782 |
| Total domestic deposits to total assets | 90.9900% | 652 |
| Equity capital to assets | 5.9256% | 4,181 |
| Core capital (leverage) ratio | 9.3295% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $331,996,333 | 2,270 |
| Average earning assets | $320,683,667 | 2,220 |
| Average equity | $19,440,000 | 2,912 |
| Average total loans | $217,344,667 | 2,170 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,524 |
| Cost of funding earning assets | 0.5218% | 3,624 |
| Net interest margin | 3.4407% | 2,526 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0626% | 3,465 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4686% | 1,241 |
| Return on assets (ROA) | 1.4525% | 1,255 |
| Pretax return on assets | 1.6306% | 1,397 |
| Return on Equity (ROE) | 24.9500% | 407 |
| Retained earnings to average equity (ytd only) | 24.5826% | 191 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6905% | 3,535 |
| Assets per employee ($millions) | 6.7188% | 2,183 |
| Cash dividends to net income (ytd only)* | 1.4913% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 4,216 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 1,998 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.2200% | 2,227 |
| Net loans and leases to deposits | 68.4969% | 2,735 |
| Net loans and leases to core deposits | 70.7126% | 2,898 |
| Total domestic deposits to total assets | 93.7500% | 197 |
| Equity capital to assets | 6.0989% | 4,165 |
| Core capital (leverage) ratio | 9.3319% | 3,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $332,390,500 | 2,305 |
| Average earning assets | $320,399,000 | 2,252 |
| Average equity | $19,347,000 | 2,945 |
| Average total loans | $214,740,000 | 2,205 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 3,217 |
| Cost of funding earning assets | 0.2949% | 2,920 |
| Net interest margin | 3.1508% | 3,019 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.1163% | 3,248 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3162% | 1,374 |
| Return on assets (ROA) | 1.3162% | 1,334 |
| Pretax return on assets | 1.3547% | 1,921 |
| Return on Equity (ROE) | 20.3700% | 443 |
| Retained earnings to average equity (ytd only) | 12.0917% | 650 |
| Net charge-offs to loans | 0.0005% | 2,588 |
| Credit loss provision to net charge-offs | 3,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 4,329.0000% | 31 |
| Efficiency ratio | 60.8058% | 2,940 |
| Assets per employee ($millions) | 6.7112% | 2,177 |
| Cash dividends to net income (ytd only)* | 40.6512% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 2,050 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.0900% | 2,235 |
| Net loans and leases to deposits | 74.3331% | 2,230 |
| Net loans and leases to core deposits | 76.2396% | 2,401 |
| Total domestic deposits to total assets | 86.2200% | 2,670 |
| Equity capital to assets | 5.5475% | 4,230 |
| Core capital (leverage) ratio | 9.2615% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $317,347,600 | 2,366 |
| Average earning assets | $306,239,800 | 2,303 |
| Average equity | $20,501,600 | 2,907 |
| Average total loans | $196,333,800 | 2,256 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 3,032 |
| Cost of funding earning assets | 0.2586% | 2,623 |
| Net interest margin | 3.0960% | 2,945 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.1496% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2251% | 1,611 |
| Return on assets (ROA) | 1.2251% | 1,581 |
| Pretax return on assets | 1.2647% | 2,158 |
| Return on Equity (ROE) | 18.2700% | 612 |
| Retained earnings to average equity (ytd only) | 11.4429% | 931 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9588% | 2,693 |
| Assets per employee ($millions) | 6.1355% | 2,639 |
| Cash dividends to net income (ytd only)* | 37.3695% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,201 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 1,947 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.5000% | 2,234 |
| Net loans and leases to deposits | 68.4647% | 2,498 |
| Net loans and leases to core deposits | 70.4418% | 2,611 |
| Total domestic deposits to total assets | 91.2900% | 1,127 |
| Equity capital to assets | 5.0276% | 4,290 |
| Core capital (leverage) ratio | 9.0158% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $312,794,750 | 2,404 |
| Average earning assets | $302,105,750 | 2,347 |
| Average equity | $20,973,250 | 2,902 |
| Average total loans | $191,282,250 | 2,298 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 2,930 |
| Cost of funding earning assets | 0.2516% | 2,243 |
| Net interest margin | 2.9863% | 2,920 |
| Noninterest income to average assets | 0.4412% | 2,499 |
| Noninterest expense to average assets | 2.1908% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0941% | 1,796 |
| Return on assets (ROA) | 1.0941% | 1,781 |
| Pretax return on assets | 1.1344% | 2,289 |
| Return on Equity (ROE) | 15.0614% | 877 |
| Retained earnings to average equity (ytd only) | 10.3520% | 935 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8846% | 2,530 |
| Assets per employee ($millions) | 5.5044% | 3,222 |
| Cash dividends to net income (ytd only)* | 31.2683% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,954 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.7262% | 2,356 |
| Net loans and leases to deposits | 63.2602% | 2,784 |
| Net loans and leases to core deposits | 64.1514% | 2,954 |
| Total domestic deposits to total assets | 94.4134% | 212 |
| Equity capital to assets | 5.4476% | 4,380 |
| Core capital (leverage) ratio | 8.9045% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,755,667 | 2,425 |
| Average earning assets | $302,043,333 | 2,367 |
| Average equity | $22,720,333 | 2,840 |
| Average total loans | $189,365,333 | 2,307 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 3,026 |
| Cost of funding earning assets | 0.2558% | 2,091 |
| Net interest margin | 2.8284% | 3,051 |
| Noninterest income to average assets | 0.4381% | 2,453 |
| Noninterest expense to average assets | 2.1636% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9659% | 2,014 |
| Return on assets (ROA) | 0.9659% | 2,012 |
| Pretax return on assets | 1.0081% | 2,413 |
| Return on Equity (ROE) | 11.8115% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.8115% | 635 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2149% | 2,475 |
| Assets per employee ($millions) | 6.2437% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 2,016 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.7323% | 2,325 |
| Net loans and leases to deposits | 62.2973% | 2,691 |
| Net loans and leases to core deposits | 62.9826% | 2,893 |
| Total domestic deposits to total assets | 92.6723% | 355 |
| Equity capital to assets | 7.2113% | 4,097 |
| Core capital (leverage) ratio | 8.8125% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,257,500 | 2,437 |
| Average earning assets | $301,796,000 | 2,383 |
| Average equity | $25,534,500 | 2,737 |
| Average total loans | $189,627,000 | 2,299 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2365% | 3,383 |
| Cost of funding earning assets | 0.3410% | 2,018 |
| Net interest margin | 2.8955% | 3,452 |
| Noninterest income to average assets | 0.6801% | 1,836 |
| Noninterest expense to average assets | 2.6825% | 1,680 |
| Loan and lease loss provision to assets | -0.1400% | 4,611 |
| Net operating income to assets | 0.9049% | 3,021 |
| Return on assets (ROA) | 0.9400% | 2,973 |
| Pretax return on assets | 0.9530% | 3,372 |
| Return on Equity (ROE) | 9.6432% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.2750% | 3,099 |
| Net charge-offs to loans | -0.0068% | 3,630 |
| Credit loss provision to net charge-offs | 3,061.5385% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5282% | 991 |
| Assets per employee ($millions) | 5.5527% | 3,212 |
| Cash dividends to net income (ytd only)* | 55.6678% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 4,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 2,031 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.0041% | 1,822 |
| Net loans and leases to deposits | 69.5275% | 2,173 |
| Net loans and leases to core deposits | 71.6465% | 2,292 |
| Total domestic deposits to total assets | 90.6175% | 661 |
| Equity capital to assets | 9.2235% | 3,397 |
| Core capital (leverage) ratio | 9.4209% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,357,000 | 2,512 |
| Average earning assets | $273,011,600 | 2,467 |
| Average equity | $27,719,000 | 2,665 |
| Average total loans | $190,020,200 | 2,303 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 3,513 |
| Cost of funding earning assets | 0.3566% | 2,045 |
| Net interest margin | 2.8937% | 3,569 |
| Noninterest income to average assets | 0.7544% | 1,659 |
| Noninterest expense to average assets | 2.8393% | 1,250 |
| Loan and lease loss provision to assets | 0.0285% | 2,428 |
| Net operating income to assets | 0.6460% | 3,910 |
| Return on assets (ROA) | 0.6460% | 3,963 |
| Pretax return on assets | 0.6636% | 4,134 |
| Return on Equity (ROE) | 6.5332% | 3,787 |
| Retained earnings to average equity (ytd only) | 0.7163% | 4,466 |
| Net charge-offs to loans | -0.0183% | 3,931 |
| Credit loss provision to net charge-offs | -230.7692% | 3,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4011% | 718 |
| Assets per employee ($millions) | 5.3315% | 3,375 |
| Cash dividends to net income (ytd only)* | 89.0361% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,739 |
| Loan loss allowance to noncurrent loans | 139.4049% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 901 |
| Noncurrent loans to loans | 0.7389% | 1,517 |
| Net loans and leases to total assets | 64.1115% | 1,759 |
| Net loans and leases to deposits | 71.6467% | 2,091 |
| Net loans and leases to core deposits | 73.6739% | 2,274 |
| Total domestic deposits to total assets | 89.4829% | 1,020 |
| Equity capital to assets | 9.6376% | 3,262 |
| Core capital (leverage) ratio | 9.6260% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,485,250 | 2,554 |
| Average earning assets | $269,172,000 | 2,513 |
| Average equity | $27,734,750 | 2,698 |
| Average total loans | $189,934,250 | 2,341 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 3,465 |
| Cost of funding earning assets | 0.3670% | 2,163 |
| Net interest margin | 2.9203% | 3,530 |
| Noninterest income to average assets | 0.9359% | 1,181 |
| Noninterest expense to average assets | 2.8862% | 1,169 |
| Loan and lease loss provision to assets | 0.0432% | 2,147 |
| Net operating income to assets | 0.7791% | 3,565 |
| Return on assets (ROA) | 0.7791% | 3,634 |
| Pretax return on assets | 0.8057% | 3,858 |
| Return on Equity (ROE) | 7.8108% | 3,452 |
| Retained earnings to average equity (ytd only) | 0.2885% | 4,464 |
| Net charge-offs to loans | -0.0272% | 4,120 |
| Credit loss provision to net charge-offs | -230.7692% | 3,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 966 |
| Assets per employee ($millions) | 5.2363% | 3,425 |
| Cash dividends to net income (ytd only)* | 96.3066% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,764 |
| Loan loss allowance to noncurrent loans | 77.9943% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 579 |
| Noncurrent loans to loans | 1.3046% | 902 |
| Net loans and leases to total assets | 66.0870% | 1,686 |
| Net loans and leases to deposits | 73.8468% | 2,016 |
| Net loans and leases to core deposits | 75.4518% | 2,292 |
| Total domestic deposits to total assets | 89.4921% | 1,033 |
| Equity capital to assets | 9.6428% | 3,207 |
| Core capital (leverage) ratio | 9.4029% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,012,667 | 2,564 |
| Average earning assets | $266,481,000 | 2,527 |
| Average equity | $27,730,667 | 2,691 |
| Average total loans | $191,079,000 | 2,338 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 3,324 |
| Cost of funding earning assets | 0.3841% | 2,224 |
| Net interest margin | 2.9713% | 3,332 |
| Noninterest income to average assets | 1.1997% | 854 |
| Noninterest expense to average assets | 2.6633% | 1,708 |
| Loan and lease loss provision to assets | 0.0435% | 2,197 |
| Net operating income to assets | 1.2780% | 1,898 |
| Return on assets (ROA) | 1.2780% | 1,970 |
| Pretax return on assets | 1.3317% | 2,481 |
| Return on Equity (ROE) | 12.5557% | 1,809 |
| Retained earnings to average equity (ytd only) | 10.3467% | 1,563 |
| Net charge-offs to loans | -0.0021% | 3,146 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9483% | 2,239 |
| Assets per employee ($millions) | 5.4475% | 3,165 |
| Cash dividends to net income (ytd only)* | 17.5936% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,935 |
| Loan loss allowance to noncurrent loans | 72.7308% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3799% | 489 |
| Noncurrent loans to loans | 1.3440% | 958 |
| Net loans and leases to total assets | 65.5099% | 1,863 |
| Net loans and leases to deposits | 74.4353% | 2,079 |
| Net loans and leases to core deposits | 76.1243% | 2,341 |
| Total domestic deposits to total assets | 88.0093% | 1,836 |
| Equity capital to assets | 9.7795% | 2,917 |
| Core capital (leverage) ratio | 9.8564% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,743,500 | 2,569 |
| Average earning assets | $263,453,500 | 2,532 |
| Average equity | $28,067,000 | 2,666 |
| Average total loans | $192,224,500 | 2,337 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,017 |
| Cost of funding earning assets | 0.4843% | 3,049 |
| Net interest margin | 3.4186% | 2,714 |
| Noninterest income to average assets | 0.4684% | 2,780 |
| Noninterest expense to average assets | 2.5068% | 2,828 |
| Loan and lease loss provision to assets | 0.0348% | 3,969 |
| Net operating income to assets | 1.1943% | 1,574 |
| Return on assets (ROA) | 1.1943% | 1,676 |
| Pretax return on assets | 1.2117% | 2,289 |
| Return on Equity (ROE) | 11.4353% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.4520% | 2,564 |
| Net charge-offs to loans | 0.0015% | 3,367 |
| Credit loss provision to net charge-offs | 3,000.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 1,075.0000% | 107 |
| Efficiency ratio | 66.7902% | 2,391 |
| Assets per employee ($millions) | 4.9580% | 3,434 |
| Cash dividends to net income (ytd only)* | 61.0680% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 4,048 |
| Loan loss allowance to noncurrent loans | 73.2535% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 509 |
| Noncurrent loans to loans | 1.2949% | 1,055 |
| Net loans and leases to total assets | 72.9187% | 1,170 |
| Net loans and leases to deposits | 83.9342% | 1,468 |
| Net loans and leases to core deposits | 87.2815% | 1,763 |
| Total domestic deposits to total assets | 86.8761% | 1,997 |
| Equity capital to assets | 10.6172% | 2,577 |
| Core capital (leverage) ratio | 9.9072% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,732,600 | 2,521 |
| Average earning assets | $248,607,400 | 2,475 |
| Average equity | $27,021,600 | 2,678 |
| Average total loans | $199,724,800 | 2,238 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 3,007 |
| Cost of funding earning assets | 0.4895% | 3,289 |
| Net interest margin | 3.4977% | 2,595 |
| Noninterest income to average assets | 0.4558% | 2,815 |
| Noninterest expense to average assets | 2.5225% | 2,769 |
| Loan and lease loss provision to assets | 0.0310% | 3,945 |
| Net operating income to assets | 1.2468% | 1,499 |
| Return on assets (ROA) | 1.2468% | 1,611 |
| Pretax return on assets | 1.2701% | 2,155 |
| Return on Equity (ROE) | 11.9887% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.4174% | 2,842 |
| Net charge-offs to loans | 0.0020% | 3,129 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 838.3333% | 147 |
| Efficiency ratio | 65.9721% | 2,467 |
| Assets per employee ($millions) | 5.1968% | 3,023 |
| Cash dividends to net income (ytd only)* | 63.1535% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,985 |
| Loan loss allowance to noncurrent loans | 55.5556% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 834 |
| Noncurrent loans to loans | 1.6693% | 828 |
| Net loans and leases to total assets | 71.3578% | 1,764 |
| Net loans and leases to deposits | 84.5368% | 1,853 |
| Net loans and leases to core deposits | 87.4640% | 2,192 |
| Total domestic deposits to total assets | 84.4104% | 2,671 |
| Equity capital to assets | 10.2079% | 3,060 |
| Core capital (leverage) ratio | 9.9882% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,722,750 | 2,514 |
| Average earning assets | $248,157,250 | 2,468 |
| Average equity | $26,802,250 | 2,682 |
| Average total loans | $201,294,750 | 2,219 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,929 |
| Cost of funding earning assets | 0.4972% | 3,548 |
| Net interest margin | 3.6448% | 2,329 |
| Noninterest income to average assets | 0.4788% | 2,659 |
| Noninterest expense to average assets | 2.5320% | 2,875 |
| Loan and lease loss provision to assets | 0.0237% | 3,952 |
| Net operating income to assets | 1.3977% | 1,118 |
| Return on assets (ROA) | 1.3977% | 1,209 |
| Pretax return on assets | 1.4332% | 1,631 |
| Return on Equity (ROE) | 13.3528% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.9734% | 2,487 |
| Net charge-offs to loans | -0.0010% | 3,749 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4764% | 2,887 |
| Assets per employee ($millions) | 5.0717% | 3,091 |
| Cash dividends to net income (ytd only)* | 62.7540% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,094 |
| Loan loss allowance to noncurrent loans | 25,428.5714% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,585 |
| Noncurrent loans to loans | 0.0034% | 4,511 |
| Net loans and leases to total assets | 76.2831% | 1,087 |
| Net loans and leases to deposits | 90.6273% | 1,293 |
| Net loans and leases to core deposits | 93.0372% | 1,819 |
| Total domestic deposits to total assets | 84.1723% | 2,691 |
| Equity capital to assets | 10.3584% | 2,876 |
| Core capital (leverage) ratio | 10.2530% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,553,333 | 2,521 |
| Average earning assets | $244,184,000 | 2,460 |
| Average equity | $26,541,333 | 2,680 |
| Average total loans | $203,514,333 | 2,197 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,834 |
| Cost of funding earning assets | 0.5100% | 3,896 |
| Net interest margin | 3.8173% | 1,911 |
| Noninterest income to average assets | 0.4685% | 2,708 |
| Noninterest expense to average assets | 2.5372% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5342% | 720 |
| Return on assets (ROA) | 1.5342% | 790 |
| Pretax return on assets | 1.6067% | 1,034 |
| Return on Equity (ROE) | 14.5758% | 604 |
| Retained earnings to average equity (ytd only) | 13.0310% | 317 |
| Net charge-offs to loans | -0.0020% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2277% | 3,585 |
| Assets per employee ($millions) | 4.7981% | 2,876 |
| Cash dividends to net income (ytd only)* | 10.5981% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,266 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.7805% | 459 |
| Net loans and leases to deposits | 96.3353% | 876 |
| Net loans and leases to core deposits | 101.4730% | 1,362 |
| Total domestic deposits to total assets | 84.8915% | 2,451 |
| Equity capital to assets | 10.5262% | 3,295 |
| Core capital (leverage) ratio | 10.5649% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,466,000 | 2,504 |
| Average earning assets | $239,226,000 | 2,451 |
| Average equity | $26,153,000 | 2,700 |
| Average total loans | $203,791,500 | 2,153 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 3,752 |
| Cost of funding earning assets | 0.5917% | 3,676 |
| Net interest margin | 3.6322% | 3,026 |
| Noninterest income to average assets | 0.4692% | 2,904 |
| Noninterest expense to average assets | 2.4900% | 3,478 |
| Loan and lease loss provision to assets | 0.0477% | 3,074 |
| Net operating income to assets | 1.4116% | 1,307 |
| Return on assets (ROA) | 1.4132% | 1,377 |
| Pretax return on assets | 1.4307% | 2,041 |
| Return on Equity (ROE) | 14.1992% | 863 |
| Retained earnings to average equity (ytd only) | 5.1659% | 2,328 |
| Net charge-offs to loans | 0.0015% | 3,663 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,238.0000% | 80 |
| Efficiency ratio | 62.7706% | 3,252 |
| Assets per employee ($millions) | 4.6685% | 2,990 |
| Cash dividends to net income (ytd only)* | 63.6185% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 4,143 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.8471% | 688 |
| Net loans and leases to deposits | 94.9826% | 1,054 |
| Net loans and leases to core deposits | 101.0870% | 1,479 |
| Total domestic deposits to total assets | 85.1178% | 2,447 |
| Equity capital to assets | 10.5254% | 3,424 |
| Core capital (leverage) ratio | 10.2505% | 3,245 |
| Tier 1 risk-based capital ratio | 13.0991% | 3,745 |
| Total risk-based capital ratio | 13.9943% | 3,814 |
| Memoranda: | ||
| Average total assets | $251,487,600 | 2,452 |
| Average earning assets | $242,169,800 | 2,392 |
| Average equity | $25,029,600 | 2,716 |
| Average total loans | $199,987,800 | 2,166 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 3,886 |
| Cost of funding earning assets | 0.6012% | 3,696 |
| Net interest margin | 3.6158% | 3,209 |
| Noninterest income to average assets | 0.4652% | 2,932 |
| Noninterest expense to average assets | 2.4960% | 3,449 |
| Loan and lease loss provision to assets | 0.0475% | 2,943 |
| Net operating income to assets | 1.3824% | 1,523 |
| Return on assets (ROA) | 1.3824% | 1,593 |
| Pretax return on assets | 1.4056% | 2,289 |
| Return on Equity (ROE) | 14.0884% | 965 |
| Retained earnings to average equity (ytd only) | 5.1769% | 2,804 |
| Net charge-offs to loans | 0.0020% | 3,374 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 917.3100% | 103 |
| Efficiency ratio | 63.2036% | 3,125 |
| Assets per employee ($millions) | 4.9504% | 2,614 |
| Cash dividends to net income (ytd only)* | 63.2542% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,389 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.9462% | 1,493 |
| Net loans and leases to deposits | 90.3960% | 1,647 |
| Net loans and leases to core deposits | 96.7588% | 1,939 |
| Total domestic deposits to total assets | 84.0150% | 2,819 |
| Equity capital to assets | 9.9498% | 4,068 |
| Core capital (leverage) ratio | 9.9609% | 3,680 |
| Tier 1 risk-based capital ratio | 13.0892% | 3,803 |
| Total risk-based capital ratio | 13.9794% | 3,887 |
| Memoranda: | ||
| Average total assets | $252,502,000 | 2,465 |
| Average earning assets | $243,298,000 | 2,397 |
| Average equity | $24,776,250 | 2,749 |
| Average total loans | $199,537,500 | 2,186 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 3,912 |
| Cost of funding earning assets | 0.5948% | 3,674 |
| Net interest margin | 3.6112% | 3,217 |
| Noninterest income to average assets | 0.4879% | 2,745 |
| Noninterest expense to average assets | 2.5193% | 3,417 |
| Loan and lease loss provision to assets | 0.0478% | 2,860 |
| Net operating income to assets | 1.3705% | 1,515 |
| Return on assets (ROA) | 1.3705% | 1,573 |
| Pretax return on assets | 1.4056% | 2,192 |
| Return on Equity (ROE) | 14.0342% | 972 |
| Retained earnings to average equity (ytd only) | 5.2087% | 2,665 |
| Net charge-offs to loans | 0.0080% | 2,860 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 227.8750% | 352 |
| Efficiency ratio | 63.4156% | 3,225 |
| Assets per employee ($millions) | 4.7526% | 2,801 |
| Cash dividends to net income (ytd only)* | 62.8854% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,421 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.4623% | 1,136 |
| Net loans and leases to deposits | 93.5122% | 1,307 |
| Net loans and leases to core deposits | 100.8712% | 1,641 |
| Total domestic deposits to total assets | 83.9060% | 2,906 |
| Equity capital to assets | 9.9738% | 3,994 |
| Core capital (leverage) ratio | 10.0046% | 3,579 |
| Tier 1 risk-based capital ratio | 12.8856% | 3,900 |
| Total risk-based capital ratio | 13.7552% | 4,011 |
| Memoranda: | ||
| Average total assets | $250,861,670 | 2,486 |
| Average earning assets | $242,082,000 | 2,414 |
| Average equity | $24,497,330 | 2,767 |
| Average total loans | $200,309,670 | 2,185 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 3,821 |
| Cost of funding earning assets | 0.5846% | 3,652 |
| Net interest margin | 3.6286% | 3,141 |
| Noninterest income to average assets | 0.5544% | 2,262 |
| Noninterest expense to average assets | 2.6523% | 3,052 |
| Loan and lease loss provision to assets | 0.0479% | 2,689 |
| Net operating income to assets | 1.2846% | 1,759 |
| Return on assets (ROA) | 1.2846% | 1,800 |
| Pretax return on assets | 1.3549% | 2,246 |
| Return on Equity (ROE) | 13.2978% | 1,138 |
| Retained earnings to average equity (ytd only) | 12.0242% | 603 |
| Net charge-offs to loans | 0.0159% | 2,158 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 629 |
| Efficiency ratio | 65.4058% | 3,023 |
| Assets per employee ($millions) | 4.8854% | 2,663 |
| Cash dividends to net income (ytd only)* | 9.5771% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,484 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.5616% | 897 |
| Net loans and leases to deposits | 94.8297% | 1,077 |
| Net loans and leases to core deposits | 102.3656% | 1,431 |
| Total domestic deposits to total assets | 83.8995% | 3,079 |
| Equity capital to assets | 9.9244% | 3,896 |
| Core capital (leverage) ratio | 9.8644% | 3,746 |
| Tier 1 risk-based capital ratio | 12.9241% | 3,916 |
| Total risk-based capital ratio | 13.7776% | 4,027 |
| Memoranda: | ||
| Average total assets | $250,348,000 | 2,509 |
| Average earning assets | $241,525,000 | 2,437 |
| Average equity | $24,184,500 | 2,793 |
| Average total loans | $200,804,000 | 2,206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,929 |
| Cost of funding earning assets | 0.4799% | 3,481 |
| Net interest margin | 3.5552% | 3,527 |
| Noninterest income to average assets | 0.4410% | 3,161 |
| Noninterest expense to average assets | 2.5147% | 3,568 |
| Loan and lease loss provision to assets | 0.0496% | 3,192 |
| Net operating income to assets | 1.2883% | 1,855 |
| Return on assets (ROA) | 1.2883% | 1,843 |
| Pretax return on assets | 1.3028% | 2,487 |
| Return on Equity (ROE) | 13.4417% | 1,199 |
| Retained earnings to average equity (ytd only) | 3.9506% | 3,401 |
| Net charge-offs to loans | -0.0026% | 4,265 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0294% | 3,021 |
| Assets per employee ($millions) | 4.8373% | 2,691 |
| Cash dividends to net income (ytd only)* | 70.6090% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 4,393 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.5466% | 1,012 |
| Net loans and leases to deposits | 94.7675% | 1,196 |
| Net loans and leases to core deposits | 104.6260% | 1,367 |
| Total domestic deposits to total assets | 83.9387% | 3,018 |
| Equity capital to assets | 9.3988% | 4,218 |
| Core capital (leverage) ratio | 9.7522% | 3,855 |
| Tier 1 risk-based capital ratio | 12.3354% | 4,221 |
| Total risk-based capital ratio | 13.1633% | 4,373 |
| Memoranda: | ||
| Average total assets | $242,173,400 | 2,531 |
| Average earning assets | $233,373,800 | 2,463 |
| Average equity | $23,211,400 | 2,797 |
| Average total loans | $192,150,000 | 2,231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,990 |
| Cost of funding earning assets | 0.4456% | 3,554 |
| Net interest margin | 3.5327% | 3,584 |
| Noninterest income to average assets | 0.4336% | 3,263 |
| Noninterest expense to average assets | 2.5267% | 3,511 |
| Loan and lease loss provision to assets | 0.0500% | 2,989 |
| Net operating income to assets | 1.2442% | 2,066 |
| Return on assets (ROA) | 1.2442% | 2,074 |
| Pretax return on assets | 1.2636% | 2,754 |
| Return on Equity (ROE) | 12.9153% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.7915% | 3,877 |
| Net charge-offs to loans | -0.0035% | 4,162 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7933% | 2,903 |
| Assets per employee ($millions) | 4.6639% | 2,892 |
| Cash dividends to net income (ytd only)* | 70.6434% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8354% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 4,420 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.8823% | 1,517 |
| Net loans and leases to deposits | 91.0835% | 1,745 |
| Net loans and leases to core deposits | 100.6936% | 1,727 |
| Total domestic deposits to total assets | 84.4086% | 2,810 |
| Equity capital to assets | 9.3294% | 4,246 |
| Core capital (leverage) ratio | 10.0008% | 3,634 |
| Tier 1 risk-based capital ratio | 12.8734% | 3,979 |
| Total risk-based capital ratio | 13.7307% | 4,098 |
| Memoranda: | ||
| Average total assets | $239,831,250 | 2,556 |
| Average earning assets | $231,280,000 | 2,492 |
| Average equity | $23,103,750 | 2,818 |
| Average total loans | $189,756,500 | 2,257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,849 |
| Cost of funding earning assets | 0.3992% | 3,723 |
| Net interest margin | 3.5789% | 3,389 |
| Noninterest income to average assets | 0.4415% | 3,206 |
| Noninterest expense to average assets | 2.6068% | 3,307 |
| Loan and lease loss provision to assets | 0.0506% | 2,905 |
| Net operating income to assets | 1.2065% | 2,168 |
| Return on assets (ROA) | 1.2065% | 2,166 |
| Pretax return on assets | 1.2360% | 2,783 |
| Return on Equity (ROE) | 12.3886% | 1,588 |
| Retained earnings to average equity (ytd only) | 3.8066% | 3,698 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9552% | 2,831 |
| Assets per employee ($millions) | 4.3264% | 3,391 |
| Cash dividends to net income (ytd only)* | 69.2737% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 4,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,426 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.8018% | 1,193 |
| Net loans and leases to deposits | 97.9088% | 977 |
| Net loans and leases to core deposits | 100.4828% | 1,694 |
| Total domestic deposits to total assets | 80.4849% | 4,141 |
| Equity capital to assets | 9.6792% | 3,935 |
| Core capital (leverage) ratio | 9.9857% | 3,597 |
| Tier 1 risk-based capital ratio | 12.8523% | 3,983 |
| Total risk-based capital ratio | 13.6972% | 4,110 |
| Memoranda: | ||
| Average total assets | $237,379,330 | 2,586 |
| Average earning assets | $228,951,330 | 2,517 |
| Average equity | $23,118,000 | 2,836 |
| Average total loans | $189,127,330 | 2,272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,067 |
| Cost of funding earning assets | 0.3856% | 3,692 |
| Net interest margin | 3.4702% | 3,643 |
| Noninterest income to average assets | 0.4437% | 3,157 |
| Noninterest expense to average assets | 2.6454% | 3,202 |
| Loan and lease loss provision to assets | 0.0506% | 2,763 |
| Net operating income to assets | 1.0511% | 2,644 |
| Return on assets (ROA) | 1.0511% | 2,656 |
| Pretax return on assets | 1.1034% | 3,163 |
| Return on Equity (ROE) | 10.7595% | 2,064 |
| Retained earnings to average equity (ytd only) | 8.8597% | 1,512 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6270% | 2,546 |
| Assets per employee ($millions) | 4.3519% | 3,397 |
| Cash dividends to net income (ytd only)* | 17.6565% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,778 |
| Loan loss allowance to noncurrent loans | 2,648.2759% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,528 |
| Noncurrent loans to loans | 0.0305% | 4,842 |
| Net loans and leases to total assets | 78.9082% | 1,097 |
| Net loans and leases to deposits | 94.0344% | 1,222 |
| Net loans and leases to core deposits | 98.0990% | 1,829 |
| Total domestic deposits to total assets | 83.9142% | 3,358 |
| Equity capital to assets | 9.6823% | 3,906 |
| Core capital (leverage) ratio | 10.0229% | 3,506 |
| Tier 1 risk-based capital ratio | 13.0643% | 3,918 |
| Total risk-based capital ratio | 13.9040% | 4,043 |
| Memoranda: | ||
| Average total assets | $237,092,000 | 2,613 |
| Average earning assets | $229,268,500 | 2,538 |
| Average equity | $23,161,000 | 2,848 |
| Average total loans | $189,152,000 | 2,284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 4,005 |
| Cost of funding earning assets | 0.2879% | 4,245 |
| Net interest margin | 3.5262% | 3,443 |
| Noninterest income to average assets | 0.4413% | 3,364 |
| Noninterest expense to average assets | 2.5400% | 3,638 |
| Loan and lease loss provision to assets | 0.0531% | 3,171 |
| Net operating income to assets | 1.2086% | 1,494 |
| Return on assets (ROA) | 1.2138% | 1,503 |
| Pretax return on assets | 1.2280% | 2,650 |
| Return on Equity (ROE) | 11.9387% | 1,230 |
| Retained earnings to average equity (ytd only) | 2.3877% | 3,900 |
| Net charge-offs to loans | -0.0057% | 4,664 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5662% | 3,156 |
| Assets per employee ($millions) | 4.2696% | 3,541 |
| Cash dividends to net income (ytd only)* | 80.0000% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,825 |
| Loan loss allowance to noncurrent loans | 2,596.5517% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 4,562 |
| Noncurrent loans to loans | 0.0309% | 4,872 |
| Net loans and leases to total assets | 79.3732% | 1,060 |
| Net loans and leases to deposits | 95.1276% | 1,164 |
| Net loans and leases to core deposits | 99.1384% | 1,778 |
| Total domestic deposits to total assets | 83.4387% | 3,409 |
| Equity capital to assets | 9.8569% | 3,865 |
| Core capital (leverage) ratio | 10.1282% | 3,273 |
| Tier 1 risk-based capital ratio | 12.9139% | 3,959 |
| Total risk-based capital ratio | 13.7457% | 4,107 |
| Memoranda: | ||
| Average total assets | $226,143,000 | 2,672 |
| Average earning assets | $216,410,600 | 2,615 |
| Average equity | $22,992,400 | 2,862 |
| Average total loans | $175,262,600 | 2,382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,002 |
| Cost of funding earning assets | 0.2764% | 4,347 |
| Net interest margin | 3.5277% | 3,397 |
| Noninterest income to average assets | 0.4280% | 3,492 |
| Noninterest expense to average assets | 2.5026% | 3,723 |
| Loan and lease loss provision to assets | 0.0536% | 3,027 |
| Net operating income to assets | 1.2181% | 1,618 |
| Return on assets (ROA) | 1.2251% | 1,622 |
| Pretax return on assets | 1.2442% | 2,738 |
| Return on Equity (ROE) | 11.9542% | 1,346 |
| Retained earnings to average equity (ytd only) | 2.5965% | 4,336 |
| Net charge-offs to loans | -0.0031% | 4,373 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9761% | 3,214 |
| Assets per employee ($millions) | 4.1137% | 3,799 |
| Cash dividends to net income (ytd only)* | 78.2801% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,824 |
| Loan loss allowance to noncurrent loans | 2,536.2069% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,648 |
| Noncurrent loans to loans | 0.0325% | 4,976 |
| Net loans and leases to total assets | 78.1132% | 1,249 |
| Net loans and leases to deposits | 90.5626% | 1,739 |
| Net loans and leases to core deposits | 94.0809% | 2,271 |
| Total domestic deposits to total assets | 86.2533% | 2,207 |
| Equity capital to assets | 10.3385% | 3,547 |
| Core capital (leverage) ratio | 10.3759% | 3,106 |
| Tier 1 risk-based capital ratio | 13.5047% | 3,698 |
| Total risk-based capital ratio | 14.3580% | 3,845 |
| Memoranda: | ||
| Average total assets | $223,971,250 | 2,713 |
| Average earning assets | $213,655,500 | 2,649 |
| Average equity | $22,953,750 | 2,885 |
| Average total loans | $172,103,750 | 2,418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 4,066 |
| Cost of funding earning assets | 0.2620% | 4,443 |
| Net interest margin | 3.4900% | 3,442 |
| Noninterest income to average assets | 0.4435% | 3,396 |
| Noninterest expense to average assets | 2.5151% | 3,703 |
| Loan and lease loss provision to assets | 0.0538% | 2,899 |
| Net operating income to assets | 1.1765% | 1,680 |
| Return on assets (ROA) | 1.1765% | 1,717 |
| Pretax return on assets | 1.2051% | 2,755 |
| Return on Equity (ROE) | 11.5135% | 1,463 |
| Retained earnings to average equity (ytd only) | 2.5254% | 4,172 |
| Net charge-offs to loans | 0.0012% | 3,485 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,405.0000% | 40 |
| Efficiency ratio | 66.6429% | 3,239 |
| Assets per employee ($millions) | 4.0916% | 3,803 |
| Cash dividends to net income (ytd only)* | 78.0655% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 4,895 |
| Loan loss allowance to noncurrent loans | 674.1784% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,811 |
| Noncurrent loans to loans | 0.1216% | 4,632 |
| Net loans and leases to total assets | 77.1974% | 1,364 |
| Net loans and leases to deposits | 89.3477% | 1,826 |
| Net loans and leases to core deposits | 92.1261% | 2,326 |
| Total domestic deposits to total assets | 86.4011% | 2,196 |
| Equity capital to assets | 10.3328% | 3,535 |
| Core capital (leverage) ratio | 10.3385% | 3,091 |
| Tier 1 risk-based capital ratio | 13.6932% | 3,589 |
| Total risk-based capital ratio | 14.5437% | 3,726 |
| Memoranda: | ||
| Average total assets | $223,211,330 | 2,734 |
| Average earning assets | $213,006,330 | 2,672 |
| Average equity | $22,808,000 | 2,902 |
| Average total loans | $170,070,670 | 2,440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,272 |
| Cost of funding earning assets | 0.2586% | 4,467 |
| Net interest margin | 3.3939% | 3,672 |
| Noninterest income to average assets | 0.4804% | 3,109 |
| Noninterest expense to average assets | 2.5192% | 3,747 |
| Loan and lease loss provision to assets | 0.0540% | 2,721 |
| Net operating income to assets | 1.0850% | 1,932 |
| Return on assets (ROA) | 1.0850% | 1,975 |
| Pretax return on assets | 1.1426% | 2,809 |
| Return on Equity (ROE) | 10.6794% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.3049% | 2,185 |
| Net charge-offs to loans | -0.0287% | 4,911 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7966% | 3,236 |
| Assets per employee ($millions) | 4.0700% | 3,899 |
| Cash dividends to net income (ytd only)* | 40.9619% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 4,943 |
| Loan loss allowance to noncurrent loans | 627.8761% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,839 |
| Noncurrent loans to loans | 0.1344% | 4,652 |
| Net loans and leases to total assets | 74.5019% | 1,659 |
| Net loans and leases to deposits | 83.1123% | 2,381 |
| Net loans and leases to core deposits | 85.6112% | 2,758 |
| Total domestic deposits to total assets | 89.6400% | 834 |
| Equity capital to assets | 10.2215% | 3,491 |
| Core capital (leverage) ratio | 10.5100% | 2,895 |
| Tier 1 risk-based capital ratio | 14.3464% | 3,285 |
| Total risk-based capital ratio | 15.2243% | 3,412 |
| Memoranda: | ||
| Average total assets | $222,297,000 | 2,771 |
| Average earning assets | $211,911,500 | 2,711 |
| Average equity | $22,585,500 | 2,937 |
| Average total loans | $167,525,500 | 2,479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 4,488 |
| Cost of funding earning assets | 0.2576% | 4,493 |
| Net interest margin | 3.3504% | 3,996 |
| Noninterest income to average assets | 0.4825% | 3,337 |
| Noninterest expense to average assets | 2.5379% | 3,885 |
| Loan and lease loss provision to assets | 0.0551% | 3,277 |
| Net operating income to assets | 1.0865% | 1,950 |
| Return on assets (ROA) | 1.0996% | 1,997 |
| Pretax return on assets | 1.1180% | 3,030 |
| Return on Equity (ROE) | 10.4545% | 1,783 |
| Retained earnings to average equity (ytd only) | 2.0228% | 4,387 |
| Net charge-offs to loans | 0.0341% | 3,351 |
| Credit loss provision to net charge-offs | 226.4151% | 1,267 |
| Earnings coverage of net charge-offs (x) | 47.6226% | 1,040 |
| Efficiency ratio | 68.6343% | 3,142 |
| Assets per employee ($millions) | 4.1649% | 3,676 |
| Cash dividends to net income (ytd only)* | 80.6519% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 5,037 |
| Loan loss allowance to noncurrent loans | 608.8496% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,798 |
| Noncurrent loans to loans | 0.1354% | 4,692 |
| Net loans and leases to total assets | 74.9663% | 1,698 |
| Net loans and leases to deposits | 86.9791% | 2,052 |
| Net loans and leases to core deposits | 90.7208% | 2,436 |
| Total domestic deposits to total assets | 86.1889% | 2,497 |
| Equity capital to assets | 10.0978% | 3,609 |
| Core capital (leverage) ratio | 10.4224% | 2,956 |
| Tier 1 risk-based capital ratio | 14.0294% | 3,448 |
| Total risk-based capital ratio | 14.8748% | 3,597 |
| Memoranda: | ||
| Average total assets | $217,623,400 | 2,782 |
| Average earning assets | $208,840,200 | 2,707 |
| Average equity | $22,889,600 | 2,898 |
| Average total loans | $155,611,800 | 2,571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 4,594 |
| Cost of funding earning assets | 0.2551% | 4,558 |
| Net interest margin | 3.3299% | 4,095 |
| Noninterest income to average assets | 0.4698% | 3,429 |
| Noninterest expense to average assets | 2.5468% | 3,841 |
| Loan and lease loss provision to assets | 0.0553% | 3,146 |
| Net operating income to assets | 1.0382% | 2,252 |
| Return on assets (ROA) | 1.0557% | 2,296 |
| Pretax return on assets | 1.0803% | 3,313 |
| Return on Equity (ROE) | 9.9363% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.3438% | 4,512 |
| Net charge-offs to loans | -0.0052% | 4,626 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4966% | 2,968 |
| Assets per employee ($millions) | 4.2774% | 3,452 |
| Cash dividends to net income (ytd only)* | 76.4122% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,904 |
| Loan loss allowance to noncurrent loans | 427.3556% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,774 |
| Noncurrent loans to loans | 0.2083% | 4,523 |
| Net loans and leases to total assets | 71.7570% | 2,226 |
| Net loans and leases to deposits | 82.8841% | 2,621 |
| Net loans and leases to core deposits | 86.1697% | 2,936 |
| Total domestic deposits to total assets | 86.5750% | 2,099 |
| Equity capital to assets | 10.7116% | 3,343 |
| Core capital (leverage) ratio | 10.6181% | 2,855 |
| Tier 1 risk-based capital ratio | 13.9138% | 3,599 |
| Total risk-based capital ratio | 14.7728% | 3,753 |
| Memoranda: | ||
| Average total assets | $216,843,750 | 2,796 |
| Average earning assets | $208,049,500 | 2,725 |
| Average equity | $23,039,500 | 2,905 |
| Average total loans | $152,800,250 | 2,613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5921% | 4,612 |
| Cost of funding earning assets | 0.2518% | 4,643 |
| Net interest margin | 3.3403% | 4,089 |
| Noninterest income to average assets | 0.4704% | 3,406 |
| Noninterest expense to average assets | 2.5720% | 3,813 |
| Loan and lease loss provision to assets | 0.0555% | 3,038 |
| Net operating income to assets | 1.0192% | 2,300 |
| Return on assets (ROA) | 1.0443% | 2,330 |
| Pretax return on assets | 1.0813% | 3,277 |
| Return on Equity (ROE) | 9.8559% | 2,111 |
| Retained earnings to average equity (ytd only) | 1.7793% | 4,663 |
| Net charge-offs to loans | -0.0066% | 4,592 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8369% | 3,004 |
| Assets per employee ($millions) | 3.9141% | 4,072 |
| Cash dividends to net income (ytd only)* | 81.9469% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,908 |
| Loan loss allowance to noncurrent loans | 450.4918% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 4,870 |
| Noncurrent loans to loans | 0.2029% | 4,631 |
| Net loans and leases to total assets | 70.4864% | 2,405 |
| Net loans and leases to deposits | 79.7567% | 2,960 |
| Net loans and leases to core deposits | 82.3549% | 3,231 |
| Total domestic deposits to total assets | 88.3767% | 1,229 |
| Equity capital to assets | 10.9780% | 3,084 |
| Core capital (leverage) ratio | 10.5839% | 2,867 |
| Tier 1 risk-based capital ratio | 14.3350% | 3,415 |
| Total risk-based capital ratio | 15.2075% | 3,551 |
| Memoranda: | ||
| Average total assets | $216,409,670 | 2,810 |
| Average earning assets | $208,125,330 | 2,732 |
| Average equity | $22,930,330 | 2,929 |
| Average total loans | $151,086,670 | 2,630 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,598 |
| Cost of funding earning assets | 0.2503% | 4,704 |
| Net interest margin | 3.3575% | 4,013 |
| Noninterest income to average assets | 0.4659% | 3,367 |
| Noninterest expense to average assets | 2.4921% | 4,095 |
| Loan and lease loss provision to assets | 0.0548% | 2,847 |
| Net operating income to assets | 1.0865% | 1,959 |
| Return on assets (ROA) | 1.1346% | 1,883 |
| Pretax return on assets | 1.2058% | 2,678 |
| Return on Equity (ROE) | 10.8976% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.2816% | 3,853 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3248% | 3,575 |
| Assets per employee ($millions) | 3.7045% | 4,462 |
| Cash dividends to net income (ytd only)* | 69.8873% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 5,137 |
| Loan loss allowance to noncurrent loans | 590.3084% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 5,101 |
| Noncurrent loans to loans | 0.1482% | 4,879 |
| Net loans and leases to total assets | 70.6785% | 2,240 |
| Net loans and leases to deposits | 80.3209% | 2,751 |
| Net loans and leases to core deposits | 83.5775% | 2,968 |
| Total domestic deposits to total assets | 87.9951% | 1,646 |
| Equity capital to assets | 10.7008% | 3,257 |
| Core capital (leverage) ratio | 10.3738% | 3,103 |
| Tier 1 risk-based capital ratio | 13.7560% | 3,833 |
| Total risk-based capital ratio | 14.5732% | 4,007 |
| Memoranda: | ||
| Average total assets | $218,934,500 | 2,793 |
| Average earning assets | $210,989,000 | 2,707 |
| Average equity | $22,794,000 | 2,947 |
| Average total loans | $151,453,000 | 2,624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 4,929 |
| Cost of funding earning assets | 0.2394% | 4,902 |
| Net interest margin | 3.2573% | 4,445 |
| Noninterest income to average assets | 0.4514% | 3,653 |
| Noninterest expense to average assets | 2.3810% | 4,557 |
| Loan and lease loss provision to assets | 0.0138% | 4,129 |
| Net operating income to assets | 1.1485% | 1,739 |
| Return on assets (ROA) | 1.1712% | 1,736 |
| Pretax return on assets | 1.1877% | 2,704 |
| Return on Equity (ROE) | 11.4102% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.9464% | 3,228 |
| Net charge-offs to loans | 0.0022% | 4,401 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 856.3333% | 70 |
| Efficiency ratio | 66.8901% | 3,767 |
| Assets per employee ($millions) | 4.0547% | 3,839 |
| Cash dividends to net income (ytd only)* | 65.4132% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 5,183 |
| Loan loss allowance to noncurrent loans | 388.7240% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,943 |
| Noncurrent loans to loans | 0.2251% | 4,624 |
| Net loans and leases to total assets | 66.5426% | 2,906 |
| Net loans and leases to deposits | 79.0398% | 2,937 |
| Net loans and leases to core deposits | 82.1167% | 3,136 |
| Total domestic deposits to total assets | 84.1888% | 3,404 |
| Equity capital to assets | 10.1325% | 3,826 |
| Core capital (leverage) ratio | 10.1469% | 3,322 |
| Tier 1 risk-based capital ratio | 13.8462% | 3,804 |
| Total risk-based capital ratio | 14.6571% | 3,993 |
| Memoranda: | ||
| Average total assets | $217,980,000 | 2,766 |
| Average earning assets | $207,997,200 | 2,694 |
| Average equity | $22,374,800 | 2,929 |
| Average total loans | $139,002,400 | 2,733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 5,084 |
| Cost of funding earning assets | 0.2404% | 4,990 |
| Net interest margin | 3.2172% | 4,621 |
| Noninterest income to average assets | 0.4559% | 3,670 |
| Noninterest expense to average assets | 2.3753% | 4,580 |
| Loan and lease loss provision to assets | 0.0185% | 3,907 |
| Net operating income to assets | 1.1037% | 1,987 |
| Return on assets (ROA) | 1.1338% | 1,959 |
| Pretax return on assets | 1.1560% | 2,996 |
| Return on Equity (ROE) | 11.0095% | 1,707 |
| Retained earnings to average equity (ytd only) | 4.0860% | 3,551 |
| Net charge-offs to loans | -0.0020% | 4,701 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5000% | 3,628 |
| Assets per employee ($millions) | 4.1391% | 3,641 |
| Cash dividends to net income (ytd only)* | 62.8865% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 5,027 |
| Loan loss allowance to noncurrent loans | 382.5581% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 5,068 |
| Noncurrent loans to loans | 0.2453% | 4,698 |
| Net loans and leases to total assets | 63.3224% | 3,406 |
| Net loans and leases to deposits | 73.2804% | 3,619 |
| Net loans and leases to core deposits | 75.8542% | 3,822 |
| Total domestic deposits to total assets | 86.4111% | 2,322 |
| Equity capital to assets | 10.2292% | 3,891 |
| Core capital (leverage) ratio | 10.1233% | 3,469 |
| Tier 1 risk-based capital ratio | 14.3682% | 3,643 |
| Total risk-based capital ratio | 15.2210% | 3,801 |
| Memoranda: | ||
| Average total assets | $216,723,500 | 2,796 |
| Average earning assets | $206,341,000 | 2,730 |
| Average equity | $22,319,500 | 2,952 |
| Average total loans | $136,327,000 | 2,795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 5,157 |
| Cost of funding earning assets | 0.2399% | 5,057 |
| Net interest margin | 3.1923% | 4,685 |
| Noninterest income to average assets | 0.4540% | 3,671 |
| Noninterest expense to average assets | 2.4027% | 4,537 |
| Loan and lease loss provision to assets | 0.0278% | 3,573 |
| Net operating income to assets | 1.0253% | 2,262 |
| Return on assets (ROA) | 1.0702% | 2,157 |
| Pretax return on assets | 1.1027% | 3,165 |
| Return on Equity (ROE) | 10.3684% | 1,908 |
| Retained earnings to average equity (ytd only) | 3.7524% | 3,617 |
| Net charge-offs to loans | 0.0059% | 3,696 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 233 |
| Efficiency ratio | 68.9078% | 3,507 |
| Assets per employee ($millions) | 3.6455% | 4,545 |
| Cash dividends to net income (ytd only)* | 63.8095% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 5,024 |
| Loan loss allowance to noncurrent loans | 614.5540% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 5,404 |
| Noncurrent loans to loans | 0.1572% | 5,122 |
| Net loans and leases to total assets | 62.3916% | 3,493 |
| Net loans and leases to deposits | 71.3644% | 3,776 |
| Net loans and leases to core deposits | 73.3912% | 4,007 |
| Total domestic deposits to total assets | 87.4268% | 1,944 |
| Equity capital to assets | 10.3317% | 3,647 |
| Core capital (leverage) ratio | 10.1868% | 3,354 |
| Tier 1 risk-based capital ratio | 15.0319% | 3,342 |
| Total risk-based capital ratio | 15.9301% | 3,467 |
| Memoranda: | ||
| Average total assets | $215,841,000 | 2,827 |
| Average earning assets | $205,058,330 | 2,754 |
| Average equity | $22,279,330 | 2,973 |
| Average total loans | $135,027,000 | 2,826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 5,120 |
| Cost of funding earning assets | 0.2430% | 5,094 |
| Net interest margin | 3.1959% | 4,629 |
| Noninterest income to average assets | 0.4625% | 3,557 |
| Noninterest expense to average assets | 2.4142% | 4,556 |
| Loan and lease loss provision to assets | 0.0277% | 3,328 |
| Net operating income to assets | 0.9786% | 2,346 |
| Return on assets (ROA) | 1.0656% | 2,106 |
| Pretax return on assets | 1.1303% | 2,945 |
| Return on Equity (ROE) | 10.3281% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.6247% | 1,334 |
| Net charge-offs to loans | 0.0148% | 2,869 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 115.2000% | 435 |
| Efficiency ratio | 69.3780% | 3,602 |
| Assets per employee ($millions) | 4.1137% | 3,736 |
| Cash dividends to net income (ytd only)* | 16.4931% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 5,098 |
| Loan loss allowance to noncurrent loans | 607.0423% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 5,402 |
| Noncurrent loans to loans | 0.1627% | 5,190 |
| Net loans and leases to total assets | 59.4542% | 3,737 |
| Net loans and leases to deposits | 66.4107% | 4,111 |
| Net loans and leases to core deposits | 68.2190% | 4,308 |
| Total domestic deposits to total assets | 89.5251% | 982 |
| Equity capital to assets | 10.3433% | 3,729 |
| Core capital (leverage) ratio | 9.9511% | 3,664 |
| Tier 1 risk-based capital ratio | 16.6146% | 2,630 |
| Total risk-based capital ratio | 17.5925% | 2,700 |
| Memoranda: | ||
| Average total assets | $216,219,000 | 2,841 |
| Average earning assets | $204,139,000 | 2,790 |
| Average equity | $22,308,000 | 2,991 |
| Average total loans | $134,788,500 | 2,832 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 5,297 |
| Cost of funding earning assets | 0.2570% | 5,253 |
| Net interest margin | 3.2503% | 4,750 |
| Noninterest income to average assets | 0.4748% | 3,674 |
| Noninterest expense to average assets | 2.3531% | 4,966 |
| Loan and lease loss provision to assets | 0.0552% | 3,448 |
| Net operating income to assets | 1.1520% | 1,768 |
| Return on assets (ROA) | 1.1747% | 1,735 |
| Pretax return on assets | 1.1881% | 2,701 |
| Return on Equity (ROE) | 11.9826% | 1,419 |
| Retained earnings to average equity (ytd only) | 5.0724% | 2,549 |
| Net charge-offs to loans | 0.0120% | 4,657 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 165.9375% | 322 |
| Efficiency ratio | 65.8521% | 4,275 |
| Assets per employee ($millions) | 4.1233% | 3,676 |
| Cash dividends to net income (ytd only)* | 57.6682% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,383 |
| Loan loss allowance to noncurrent loans | 1,757.5342% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,822 |
| Noncurrent loans to loans | 0.0526% | 5,665 |
| Net loans and leases to total assets | 64.0707% | 3,217 |
| Net loans and leases to deposits | 71.6683% | 3,719 |
| Net loans and leases to core deposits | 74.2926% | 3,895 |
| Total domestic deposits to total assets | 89.3990% | 1,019 |
| Equity capital to assets | 10.2909% | 3,736 |
| Core capital (leverage) ratio | 9.9023% | 3,708 |
| Tier 1 risk-based capital ratio | 15.8525% | 3,032 |
| Total risk-based capital ratio | 16.7991% | 3,140 |
| Memoranda: | ||
| Average total assets | $217,581,600 | 2,809 |
| Average earning assets | $207,428,800 | 2,731 |
| Average equity | $21,331,000 | 3,015 |
| Average total loans | $133,141,800 | 2,804 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,402 |
| Cost of funding earning assets | 0.2601% | 5,302 |
| Net interest margin | 3.2347% | 4,836 |
| Noninterest income to average assets | 0.4671% | 3,753 |
| Noninterest expense to average assets | 2.3561% | 4,951 |
| Loan and lease loss provision to assets | 0.0641% | 3,065 |
| Net operating income to assets | 1.1131% | 1,976 |
| Return on assets (ROA) | 1.1436% | 1,949 |
| Pretax return on assets | 1.1613% | 2,941 |
| Return on Equity (ROE) | 11.8088% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.3188% | 3,578 |
| Net charge-offs to loans | -0.0071% | 5,357 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3629% | 4,165 |
| Assets per employee ($millions) | 4.1344% | 3,593 |
| Cash dividends to net income (ytd only)* | 63.4277% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 5,377 |
| Loan loss allowance to noncurrent loans | 1,768.4932% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,953 |
| Noncurrent loans to loans | 0.0544% | 5,799 |
| Net loans and leases to total assets | 61.7623% | 3,522 |
| Net loans and leases to deposits | 68.8527% | 4,035 |
| Net loans and leases to core deposits | 71.2260% | 4,226 |
| Total domestic deposits to total assets | 89.7022% | 875 |
| Equity capital to assets | 10.0164% | 4,146 |
| Core capital (leverage) ratio | 9.8091% | 3,929 |
| Tier 1 risk-based capital ratio | 15.9122% | 3,096 |
| Total risk-based capital ratio | 16.8864% | 3,180 |
| Memoranda: | ||
| Average total assets | $218,373,750 | 2,823 |
| Average earning assets | $208,153,500 | 2,743 |
| Average equity | $21,147,500 | 3,044 |
| Average total loans | $131,762,500 | 2,835 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 5,510 |
| Cost of funding earning assets | 0.2608% | 5,380 |
| Net interest margin | 3.1922% | 4,971 |
| Noninterest income to average assets | 0.4747% | 3,675 |
| Noninterest expense to average assets | 2.3171% | 5,114 |
| Loan and lease loss provision to assets | 0.0547% | 3,206 |
| Net operating income to assets | 1.1326% | 1,808 |
| Return on assets (ROA) | 1.1326% | 1,901 |
| Pretax return on assets | 1.1590% | 2,836 |
| Return on Equity (ROE) | 11.8276% | 1,473 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,474 |
| Net charge-offs to loans | -0.0015% | 5,044 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6258% | 4,416 |
| Assets per employee ($millions) | 4.0307% | 3,774 |
| Cash dividends to net income (ytd only)* | 64.1191% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 5,580 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 5,843 |
| Noncurrent loans to loans | 0.0458% | 5,913 |
| Net loans and leases to total assets | 60.7693% | 3,598 |
| Net loans and leases to deposits | 67.9353% | 4,059 |
| Net loans and leases to core deposits | 69.8699% | 4,280 |
| Total domestic deposits to total assets | 89.4517% | 1,117 |
| Equity capital to assets | 10.0793% | 4,000 |
| Core capital (leverage) ratio | 9.6420% | 4,120 |
| Tier 1 risk-based capital ratio | 16.4732% | 2,842 |
| Total risk-based capital ratio | 17.4530% | 2,928 |
| Memoranda: | ||
| Average total assets | $219,502,670 | 2,815 |
| Average earning assets | $210,134,330 | 2,740 |
| Average equity | $21,018,670 | 3,049 |
| Average total loans | $130,992,670 | 2,857 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,611 |
| Cost of funding earning assets | 0.2654% | 5,438 |
| Net interest margin | 3.1506% | 5,088 |
| Noninterest income to average assets | 0.4963% | 3,439 |
| Noninterest expense to average assets | 2.3071% | 5,171 |
| Loan and lease loss provision to assets | 0.0270% | 3,476 |
| Net operating income to assets | 1.1203% | 1,732 |
| Return on assets (ROA) | 1.1203% | 1,798 |
| Pretax return on assets | 1.1724% | 2,602 |
| Return on Equity (ROE) | 12.0027% | 1,404 |
| Retained earnings to average equity (ytd only) | 10.4229% | 870 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7949% | 4,564 |
| Assets per employee ($millions) | 4.0311% | 3,883 |
| Cash dividends to net income (ytd only)* | 13.1621% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 5,822 |
| Loan loss allowance to noncurrent loans | 1,389.5349% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 5,902 |
| Noncurrent loans to loans | 0.0659% | 5,946 |
| Net loans and leases to total assets | 59.4114% | 3,649 |
| Net loans and leases to deposits | 65.9737% | 4,101 |
| Net loans and leases to core deposits | 68.1530% | 4,291 |
| Total domestic deposits to total assets | 90.0532% | 1,047 |
| Equity capital to assets | 9.6974% | 4,227 |
| Core capital (leverage) ratio | 9.4700% | 4,325 |
| Tier 1 risk-based capital ratio | 16.2802% | 3,020 |
| Total risk-based capital ratio | 17.2091% | 3,138 |
| Memoranda: | ||
| Average total assets | $222,441,000 | 2,803 |
| Average earning assets | $212,533,500 | 2,723 |
| Average equity | $20,762,000 | 3,087 |
| Average total loans | $130,959,500 | 2,862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 6,026 |
| Cost of funding earning assets | 0.3255% | 5,373 |
| Net interest margin | 2.9557% | 5,668 |
| Noninterest income to average assets | 0.4393% | 4,167 |
| Noninterest expense to average assets | 2.2646% | 5,470 |
| Loan and lease loss provision to assets | 0.0860% | 3,396 |
| Net operating income to assets | 0.8763% | 2,900 |
| Return on assets (ROA) | 0.9131% | 2,805 |
| Pretax return on assets | 0.9235% | 3,668 |
| Return on Equity (ROE) | 9.6292% | 2,269 |
| Retained earnings to average equity (ytd only) | 2.7437% | 4,283 |
| Net charge-offs to loans | -0.0492% | 6,335 |
| Credit loss provision to net charge-offs | -327.5862% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9609% | 3,843 |
| Assets per employee ($millions) | 4.2075% | 3,430 |
| Cash dividends to net income (ytd only)* | 71.5064% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 5,940 |
| Loan loss allowance to noncurrent loans | 13,111.1111% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,117 |
| Noncurrent loans to loans | 0.0068% | 6,276 |
| Net loans and leases to total assets | 57.3134% | 4,146 |
| Net loans and leases to deposits | 67.3144% | 4,144 |
| Net loans and leases to core deposits | 69.5573% | 4,330 |
| Total domestic deposits to total assets | 85.1429% | 3,669 |
| Equity capital to assets | 8.9853% | 5,052 |
| Core capital (leverage) ratio | 9.2031% | 4,717 |
| Tier 1 risk-based capital ratio | 15.5938% | 3,313 |
| Total risk-based capital ratio | 16.4955% | 3,465 |
| Memoranda: | ||
| Average total assets | $221,012,200 | 2,802 |
| Average earning assets | $209,188,400 | 2,730 |
| Average equity | $20,957,000 | 3,048 |
| Average total loans | $117,835,800 | 3,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 6,122 |
| Cost of funding earning assets | 0.3455% | 5,338 |
| Net interest margin | 2.9113% | 5,788 |
| Noninterest income to average assets | 0.4356% | 4,262 |
| Noninterest expense to average assets | 2.2655% | 5,449 |
| Loan and lease loss provision to assets | 0.1063% | 2,984 |
| Net operating income to assets | 0.8006% | 3,340 |
| Return on assets (ROA) | 0.8499% | 3,211 |
| Pretax return on assets | 0.8627% | 4,037 |
| Return on Equity (ROE) | 8.8434% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.3641% | 4,913 |
| Net charge-offs to loans | -0.0687% | 6,401 |
| Credit loss provision to net charge-offs | -296.6102% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1370% | 3,581 |
| Assets per employee ($millions) | 4.1517% | 3,529 |
| Cash dividends to net income (ytd only)* | 73.2664% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 5,825 |
| Loan loss allowance to noncurrent loans | 12,944.4444% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 6,196 |
| Noncurrent loans to loans | 0.0075% | 6,357 |
| Net loans and leases to total assets | 53.8282% | 4,639 |
| Net loans and leases to deposits | 61.9077% | 4,775 |
| Net loans and leases to core deposits | 63.3361% | 4,972 |
| Total domestic deposits to total assets | 86.9491% | 2,718 |
| Equity capital to assets | 9.1847% | 4,959 |
| Core capital (leverage) ratio | 9.2413% | 4,771 |
| Tier 1 risk-based capital ratio | 16.7976% | 2,811 |
| Total risk-based capital ratio | 17.7661% | 2,894 |
| Memoranda: | ||
| Average total assets | $219,464,000 | 2,837 |
| Average earning assets | $207,236,000 | 2,771 |
| Average equity | $21,092,500 | 3,067 |
| Average total loans | $114,445,000 | 3,176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 6,120 |
| Cost of funding earning assets | 0.3680% | 5,246 |
| Net interest margin | 2.9088% | 5,786 |
| Noninterest income to average assets | 0.4378% | 4,264 |
| Noninterest expense to average assets | 2.2493% | 5,502 |
| Loan and lease loss provision to assets | 0.1186% | 2,841 |
| Net operating income to assets | 0.7841% | 3,379 |
| Return on assets (ROA) | 0.8574% | 3,155 |
| Pretax return on assets | 0.8774% | 3,995 |
| Return on Equity (ROE) | 8.7905% | 2,715 |
| Retained earnings to average equity (ytd only) | 1.6646% | 5,185 |
| Net charge-offs to loans | -0.0905% | 6,479 |
| Credit loss provision to net charge-offs | -254.9020% | 5,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9436% | 3,653 |
| Assets per employee ($millions) | 3.9161% | 3,990 |
| Cash dividends to net income (ytd only)* | 81.0638% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 5,862 |
| Loan loss allowance to noncurrent loans | 55,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 6,271 |
| Noncurrent loans to loans | 0.0018% | 6,463 |
| Net loans and leases to total assets | 50.7015% | 5,033 |
| Net loans and leases to deposits | 56.1155% | 5,328 |
| Net loans and leases to core deposits | 57.4730% | 5,468 |
| Total domestic deposits to total assets | 90.3521% | 828 |
| Equity capital to assets | 9.2754% | 4,894 |
| Core capital (leverage) ratio | 9.0769% | 4,867 |
| Tier 1 risk-based capital ratio | 17.4720% | 2,523 |
| Total risk-based capital ratio | 18.4430% | 2,617 |
| Memoranda: | ||
| Average total assets | $219,272,330 | 2,853 |
| Average earning assets | $205,996,670 | 2,796 |
| Average equity | $21,386,670 | 3,050 |
| Average total loans | $112,724,000 | 3,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3467% | 6,049 |
| Cost of funding earning assets | 0.3867% | 5,226 |
| Net interest margin | 2.9601% | 5,677 |
| Noninterest income to average assets | 0.4451% | 4,141 |
| Noninterest expense to average assets | 2.2567% | 5,551 |
| Loan and lease loss provision to assets | 0.1368% | 2,530 |
| Net operating income to assets | 0.8027% | 3,151 |
| Return on assets (ROA) | 0.9487% | 2,588 |
| Pretax return on assets | 0.9487% | 3,572 |
| Return on Equity (ROE) | 9.4936% | 2,267 |
| Retained earnings to average equity (ytd only) | 3.8340% | 3,928 |
| Net charge-offs to loans | -0.1771% | 6,651 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6050% | 3,870 |
| Assets per employee ($millions) | 4.0360% | 3,871 |
| Cash dividends to net income (ytd only)* | 59.6154% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 6,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 6,266 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.9734% | 5,334 |
| Net loans and leases to deposits | 52.2229% | 5,595 |
| Net loans and leases to core deposits | 53.3806% | 5,718 |
| Total domestic deposits to total assets | 89.9480% | 1,085 |
| Equity capital to assets | 9.7007% | 4,566 |
| Core capital (leverage) ratio | 9.0874% | 4,740 |
| Tier 1 risk-based capital ratio | 17.9404% | 2,394 |
| Total risk-based capital ratio | 18.8865% | 2,470 |
| Memoranda: | ||
| Average total assets | $219,258,000 | 2,877 |
| Average earning assets | $203,780,000 | 2,855 |
| Average equity | $21,909,500 | 3,036 |
| Average total loans | $112,935,500 | 3,234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 6,086 |
| Cost of funding earning assets | 0.5586% | 4,740 |
| Net interest margin | 3.1204% | 5,764 |
| Noninterest income to average assets | 0.4468% | 4,267 |
| Noninterest expense to average assets | 2.4195% | 5,356 |
| Loan and lease loss provision to assets | 0.1437% | 3,813 |
| Net operating income to assets | 0.8217% | 3,175 |
| Return on assets (ROA) | 0.8606% | 3,241 |
| Pretax return on assets | 0.8659% | 4,046 |
| Return on Equity (ROE) | 8.3524% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.1699% | 3,994 |
| Net charge-offs to loans | 0.2332% | 3,539 |
| Credit loss provision to net charge-offs | 115.8301% | 2,495 |
| Earnings coverage of net charge-offs (x) | 7.8224% | 2,522 |
| Efficiency ratio | 71.3761% | 3,544 |
| Assets per employee ($millions) | 3.7947% | 4,377 |
| Cash dividends to net income (ytd only)* | 62.0479% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 6,513 |
| Loan loss allowance to noncurrent loans | 5,818.7500% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,267 |
| Noncurrent loans to loans | 0.0135% | 6,509 |
| Net loans and leases to total assets | 55.3955% | 4,394 |
| Net loans and leases to deposits | 62.2385% | 4,760 |
| Net loans and leases to core deposits | 63.9556% | 4,962 |
| Total domestic deposits to total assets | 89.0052% | 1,561 |
| Equity capital to assets | 10.3030% | 3,756 |
| Core capital (leverage) ratio | 9.4840% | 4,130 |
| Tier 1 risk-based capital ratio | 16.3330% | 2,979 |
| Total risk-based capital ratio | 17.0997% | 3,196 |
| Memoranda: | ||
| Average total assets | $208,804,800 | 2,940 |
| Average earning assets | $196,930,600 | 2,876 |
| Average equity | $21,514,800 | 3,038 |
| Average total loans | $111,084,200 | 3,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 6,221 |
| Cost of funding earning assets | 0.5831% | 4,806 |
| Net interest margin | 3.1149% | 5,905 |
| Noninterest income to average assets | 0.4624% | 4,198 |
| Noninterest expense to average assets | 2.4039% | 5,386 |
| Loan and lease loss provision to assets | 0.1443% | 3,730 |
| Net operating income to assets | 0.8516% | 3,205 |
| Return on assets (ROA) | 0.9037% | 3,197 |
| Pretax return on assets | 0.9101% | 4,066 |
| Return on Equity (ROE) | 8.7704% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.2928% | 4,553 |
| Net charge-offs to loans | 0.3101% | 2,890 |
| Credit loss provision to net charge-offs | 88.5827% | 3,341 |
| Earnings coverage of net charge-offs (x) | 6.1496% | 2,841 |
| Efficiency ratio | 70.5838% | 3,577 |
| Assets per employee ($millions) | 3.7632% | 4,400 |
| Cash dividends to net income (ytd only)* | 62.4554% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7650% | 6,663 |
| Loan loss allowance to noncurrent loans | 518.0723% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 6,299 |
| Noncurrent loans to loans | 0.1477% | 6,238 |
| Net loans and leases to total assets | 53.8973% | 4,764 |
| Net loans and leases to deposits | 60.9135% | 5,094 |
| Net loans and leases to core deposits | 62.4543% | 5,313 |
| Total domestic deposits to total assets | 88.4817% | 1,735 |
| Equity capital to assets | 10.6467% | 3,675 |
| Core capital (leverage) ratio | 9.5152% | 4,244 |
| Tier 1 risk-based capital ratio | 16.8479% | 2,808 |
| Total risk-based capital ratio | 17.5841% | 3,060 |
| Memoranda: | ||
| Average total assets | $207,880,750 | 2,985 |
| Average earning assets | $196,428,750 | 2,907 |
| Average equity | $21,420,000 | 3,074 |
| Average total loans | $109,193,500 | 3,339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 6,336 |
| Cost of funding earning assets | 0.6096% | 4,817 |
| Net interest margin | 3.0908% | 6,034 |
| Noninterest income to average assets | 0.4650% | 4,164 |
| Noninterest expense to average assets | 2.3777% | 5,535 |
| Loan and lease loss provision to assets | 0.1441% | 3,718 |
| Net operating income to assets | 0.8558% | 3,108 |
| Return on assets (ROA) | 0.9338% | 3,009 |
| Pretax return on assets | 0.9444% | 3,901 |
| Return on Equity (ROE) | 9.1635% | 2,732 |
| Retained earnings to average equity (ytd only) | 4.1669% | 3,832 |
| Net charge-offs to loans | 0.3274% | 2,723 |
| Credit loss provision to net charge-offs | 84.7458% | 3,193 |
| Earnings coverage of net charge-offs (x) | 5.9379% | 2,728 |
| Efficiency ratio | 70.1929% | 3,736 |
| Assets per employee ($millions) | 3.8038% | 4,302 |
| Cash dividends to net income (ytd only)* | 54.5267% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 6,683 |
| Loan loss allowance to noncurrent loans | 1,052.4390% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,489 |
| Noncurrent loans to loans | 0.0755% | 6,474 |
| Net loans and leases to total assets | 51.4904% | 5,156 |
| Net loans and leases to deposits | 58.0049% | 5,450 |
| Net loans and leases to core deposits | 59.1538% | 5,678 |
| Total domestic deposits to total assets | 88.7691% | 1,661 |
| Equity capital to assets | 10.3175% | 3,919 |
| Core capital (leverage) ratio | 9.2625% | 4,512 |
| Tier 1 risk-based capital ratio | 17.1332% | 2,613 |
| Total risk-based capital ratio | 17.8878% | 2,790 |
| Memoranda: | ||
| Average total assets | $208,182,670 | 2,994 |
| Average earning assets | $196,841,330 | 2,913 |
| Average equity | $21,214,670 | 3,089 |
| Average total loans | $108,120,000 | 3,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 6,401 |
| Cost of funding earning assets | 0.6429% | 4,797 |
| Net interest margin | 3.0798% | 6,107 |
| Noninterest income to average assets | 0.5297% | 3,700 |
| Noninterest expense to average assets | 2.4000% | 5,466 |
| Loan and lease loss provision to assets | 0.1445% | 3,558 |
| Net operating income to assets | 0.8725% | 3,040 |
| Return on assets (ROA) | 0.8725% | 3,264 |
| Pretax return on assets | 0.8918% | 4,059 |
| Return on Equity (ROE) | 8.6165% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.2417% | 4,049 |
| Net charge-offs to loans | 0.6117% | 1,564 |
| Credit loss provision to net charge-offs | 45.4545% | 3,356 |
| Earnings coverage of net charge-offs (x) | 3.2606% | 2,902 |
| Efficiency ratio | 69.8430% | 3,846 |
| Assets per employee ($millions) | 3.8603% | 4,288 |
| Cash dividends to net income (ytd only)* | 50.7726% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 6,800 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,557 |
| Noncurrent loans to loans | 0.0650% | 6,589 |
| Net loans and leases to total assets | 48.9158% | 5,442 |
| Net loans and leases to deposits | 54.8516% | 5,720 |
| Net loans and leases to core deposits | 56.7926% | 5,837 |
| Total domestic deposits to total assets | 89.1784% | 1,581 |
| Equity capital to assets | 9.9215% | 4,229 |
| Core capital (leverage) ratio | 9.5427% | 3,989 |
| Tier 1 risk-based capital ratio | 16.8806% | 2,726 |
| Total risk-based capital ratio | 17.5776% | 2,957 |
| Memoranda: | ||
| Average total assets | $207,670,000 | 3,019 |
| Average earning assets | $195,988,500 | 2,949 |
| Average equity | $21,029,500 | 3,103 |
| Average total loans | $107,887,500 | 3,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 6,245 |
| Cost of funding earning assets | 0.8274% | 4,648 |
| Net interest margin | 3.2917% | 5,831 |
| Noninterest income to average assets | 0.5477% | 3,526 |
| Noninterest expense to average assets | 2.5363% | 5,332 |
| Loan and lease loss provision to assets | 0.1460% | 4,785 |
| Net operating income to assets | 0.9562% | 2,380 |
| Return on assets (ROA) | 1.0140% | 2,295 |
| Pretax return on assets | 1.0202% | 3,166 |
| Return on Equity (ROE) | 9.7396% | 2,147 |
| Retained earnings to average equity (ytd only) | 2.9676% | 4,124 |
| Net charge-offs to loans | 0.0767% | 5,556 |
| Credit loss provision to net charge-offs | 351.8519% | 657 |
| Earnings coverage of net charge-offs (x) | 26.6914% | 932 |
| Efficiency ratio | 69.6007% | 4,039 |
| Assets per employee ($millions) | 3.6913% | 4,566 |
| Cash dividends to net income (ytd only)* | 69.5301% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 6,735 |
| Loan loss allowance to noncurrent loans | 241.8478% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 6,349 |
| Noncurrent loans to loans | 0.3312% | 6,066 |
| Net loans and leases to total assets | 54.2936% | 4,993 |
| Net loans and leases to deposits | 61.2659% | 5,341 |
| Net loans and leases to core deposits | 63.4671% | 5,523 |
| Total domestic deposits to total assets | 88.6196% | 1,771 |
| Equity capital to assets | 10.3406% | 3,727 |
| Core capital (leverage) ratio | 9.5425% | 3,958 |
| Tier 1 risk-based capital ratio | 15.9039% | 3,090 |
| Total risk-based capital ratio | 16.6430% | 3,348 |
| Memoranda: | ||
| Average total assets | $195,166,800 | 3,112 |
| Average earning assets | $183,585,200 | 3,048 |
| Average equity | $20,319,200 | 3,092 |
| Average total loans | $105,538,400 | 3,484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 6,272 |
| Cost of funding earning assets | 0.8629% | 4,680 |
| Net interest margin | 3.3089% | 5,833 |
| Noninterest income to average assets | 0.5590% | 3,456 |
| Noninterest expense to average assets | 2.5299% | 5,351 |
| Loan and lease loss provision to assets | 0.1449% | 4,632 |
| Net operating income to assets | 0.9835% | 2,381 |
| Return on assets (ROA) | 1.0614% | 2,243 |
| Pretax return on assets | 1.0697% | 3,132 |
| Return on Equity (ROE) | 10.1765% | 2,141 |
| Retained earnings to average equity (ytd only) | 3.6260% | 4,169 |
| Net charge-offs to loans | 0.0461% | 5,530 |
| Credit loss provision to net charge-offs | 583.3333% | 469 |
| Earnings coverage of net charge-offs (x) | 45.7210% | 694 |
| Efficiency ratio | 69.0136% | 4,126 |
| Assets per employee ($millions) | 3.5375% | 4,903 |
| Cash dividends to net income (ytd only)* | 64.3693% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 6,774 |
| Loan loss allowance to noncurrent loans | 249.2754% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,370 |
| Noncurrent loans to loans | 0.3295% | 6,192 |
| Net loans and leases to total assets | 53.3673% | 5,267 |
| Net loans and leases to deposits | 60.5274% | 5,578 |
| Net loans and leases to core deposits | 62.6928% | 5,752 |
| Total domestic deposits to total assets | 88.1704% | 1,943 |
| Equity capital to assets | 10.7847% | 3,382 |
| Core capital (leverage) ratio | 9.6995% | 3,849 |
| Tier 1 risk-based capital ratio | 16.7305% | 2,750 |
| Total risk-based capital ratio | 17.4839% | 2,964 |
| Memoranda: | ||
| Average total assets | $193,202,500 | 3,157 |
| Average earning assets | $181,406,750 | 3,091 |
| Average equity | $20,150,500 | 3,121 |
| Average total loans | $104,143,250 | 3,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 6,267 |
| Cost of funding earning assets | 0.8868% | 4,779 |
| Net interest margin | 3.3204% | 5,802 |
| Noninterest income to average assets | 0.5323% | 3,616 |
| Noninterest expense to average assets | 2.5287% | 5,436 |
| Loan and lease loss provision to assets | 0.1401% | 4,553 |
| Net operating income to assets | 0.9629% | 2,377 |
| Return on assets (ROA) | 0.9629% | 2,483 |
| Pretax return on assets | 0.9754% | 3,335 |
| Return on Equity (ROE) | 9.3393% | 2,365 |
| Retained earnings to average equity (ytd only) | 2.5965% | 4,641 |
| Net charge-offs to loans | 0.0173% | 5,595 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 119.4444% | 292 |
| Efficiency ratio | 69.3907% | 4,240 |
| Assets per employee ($millions) | 3.5696% | 4,750 |
| Cash dividends to net income (ytd only)* | 72.1983% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 6,863 |
| Loan loss allowance to noncurrent loans | 498.1595% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 6,702 |
| Noncurrent loans to loans | 0.1607% | 6,582 |
| Net loans and leases to total assets | 51.2540% | 5,662 |
| Net loans and leases to deposits | 57.8300% | 5,957 |
| Net loans and leases to core deposits | 59.8633% | 6,098 |
| Total domestic deposits to total assets | 88.6287% | 1,767 |
| Equity capital to assets | 10.3842% | 3,653 |
| Core capital (leverage) ratio | 9.5540% | 3,876 |
| Tier 1 risk-based capital ratio | 16.9780% | 2,534 |
| Total risk-based capital ratio | 17.7110% | 2,724 |
| Memoranda: | ||
| Average total assets | $192,749,000 | 3,187 |
| Average earning assets | $180,642,670 | 3,124 |
| Average equity | $19,873,000 | 3,148 |
| Average total loans | $103,960,000 | 3,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 6,100 |
| Cost of funding earning assets | 0.9214% | 4,767 |
| Net interest margin | 3.3472% | 5,617 |
| Noninterest income to average assets | 0.5698% | 3,369 |
| Noninterest expense to average assets | 2.6100% | 5,183 |
| Loan and lease loss provision to assets | 0.1257% | 4,430 |
| Net operating income to assets | 0.9363% | 2,420 |
| Return on assets (ROA) | 0.9363% | 2,482 |
| Pretax return on assets | 0.9615% | 3,281 |
| Return on Equity (ROE) | 9.1150% | 2,431 |
| Retained earnings to average equity (ytd only) | 0.9584% | 5,447 |
| Net charge-offs to loans | 0.0342% | 4,620 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 512 |
| Efficiency ratio | 70.5949% | 4,141 |
| Assets per employee ($millions) | 3.5554% | 4,861 |
| Cash dividends to net income (ytd only)* | 89.4855% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 7,068 |
| Loan loss allowance to noncurrent loans | 571.3178% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 6,659 |
| Noncurrent loans to loans | 0.1239% | 6,740 |
| Net loans and leases to total assets | 52.8538% | 5,477 |
| Net loans and leases to deposits | 59.4433% | 5,772 |
| Net loans and leases to core deposits | 61.4226% | 5,978 |
| Total domestic deposits to total assets | 88.9147% | 1,825 |
| Equity capital to assets | 10.0646% | 3,696 |
| Core capital (leverage) ratio | 9.4668% | 3,867 |
| Tier 1 risk-based capital ratio | 16.6138% | 2,614 |
| Total risk-based capital ratio | 17.2723% | 2,866 |
| Memoranda: | ||
| Average total assets | $190,959,500 | 3,236 |
| Average earning assets | $178,420,000 | 3,179 |
| Average equity | $19,616,000 | 3,170 |
| Average total loans | $105,221,000 | 3,596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 5,805 |
| Cost of funding earning assets | 1.1452% | 4,880 |
| Net interest margin | 3.5547% | 5,021 |
| Noninterest income to average assets | 0.5468% | 3,840 |
| Noninterest expense to average assets | 2.6771% | 5,094 |
| Loan and lease loss provision to assets | 0.1342% | 5,829 |
| Net operating income to assets | 1.0584% | 1,843 |
| Return on assets (ROA) | 1.0870% | 1,823 |
| Pretax return on assets | 1.0858% | 2,636 |
| Return on Equity (ROE) | 9.9152% | 1,961 |
| Retained earnings to average equity (ytd only) | 3.7692% | 3,228 |
| Net charge-offs to loans | 0.1975% | 5,110 |
| Credit loss provision to net charge-offs | 116.5049% | 3,690 |
| Earnings coverage of net charge-offs (x) | 10.3447% | 1,722 |
| Efficiency ratio | 69.2008% | 4,339 |
| Assets per employee ($millions) | 3.3886% | 5,201 |
| Cash dividends to net income (ytd only)* | 61.9856% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 7,206 |
| Loan loss allowance to noncurrent loans | 939.7260% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 6,784 |
| Noncurrent loans to loans | 0.0686% | 6,954 |
| Net loans and leases to total assets | 56.6957% | 5,229 |
| Net loans and leases to deposits | 64.1385% | 5,615 |
| Net loans and leases to core deposits | 67.2058% | 5,751 |
| Total domestic deposits to total assets | 88.3958% | 2,018 |
| Equity capital to assets | 10.4903% | 3,167 |
| Core capital (leverage) ratio | 9.8411% | 3,273 |
| Tier 1 risk-based capital ratio | 16.7075% | 2,454 |
| Total risk-based capital ratio | 17.3254% | 2,676 |
| Memoranda: | ||
| Average total assets | $178,848,000 | 3,397 |
| Average earning assets | $167,132,200 | 3,339 |
| Average equity | $19,606,200 | 3,202 |
| Average total loans | $104,322,200 | 3,674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 5,813 |
| Cost of funding earning assets | 1.1887% | 4,920 |
| Net interest margin | 3.5735% | 4,996 |
| Noninterest income to average assets | 0.5357% | 3,905 |
| Noninterest expense to average assets | 2.6400% | 5,153 |
| Loan and lease loss provision to assets | 0.1356% | 5,676 |
| Net operating income to assets | 1.0955% | 1,903 |
| Return on assets (ROA) | 1.1324% | 1,905 |
| Pretax return on assets | 1.1309% | 2,731 |
| Return on Equity (ROE) | 10.2138% | 2,044 |
| Retained earnings to average equity (ytd only) | 3.6221% | 3,897 |
| Net charge-offs to loans | 0.1657% | 4,989 |
| Credit loss provision to net charge-offs | 139.5349% | 2,852 |
| Earnings coverage of net charge-offs (x) | 12.6509% | 1,666 |
| Efficiency ratio | 68.2243% | 4,424 |
| Assets per employee ($millions) | 3.2912% | 5,489 |
| Cash dividends to net income (ytd only)* | 64.5375% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 7,253 |
| Loan loss allowance to noncurrent loans | 964.3836% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,898 |
| Noncurrent loans to loans | 0.0696% | 7,068 |
| Net loans and leases to total assets | 57.5736% | 5,323 |
| Net loans and leases to deposits | 65.6095% | 5,706 |
| Net loans and leases to core deposits | 68.0283% | 5,934 |
| Total domestic deposits to total assets | 87.7520% | 2,130 |
| Equity capital to assets | 11.0995% | 2,854 |
| Core capital (leverage) ratio | 10.1545% | 3,093 |
| Tier 1 risk-based capital ratio | 16.7217% | 2,452 |
| Total risk-based capital ratio | 17.3635% | 2,657 |
| Memoranda: | ||
| Average total assets | $176,967,000 | 3,465 |
| Average earning assets | $165,100,500 | 3,400 |
| Average equity | $19,620,000 | 3,238 |
| Average total loans | $103,815,000 | 3,739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 5,872 |
| Cost of funding earning assets | 1.2137% | 5,051 |
| Net interest margin | 3.5643% | 4,976 |
| Noninterest income to average assets | 0.5216% | 3,942 |
| Noninterest expense to average assets | 2.6478% | 5,137 |
| Loan and lease loss provision to assets | 0.1367% | 5,523 |
| Net operating income to assets | 1.0603% | 1,979 |
| Return on assets (ROA) | 1.1149% | 1,871 |
| Pretax return on assets | 1.1161% | 2,728 |
| Return on Equity (ROE) | 10.0603% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.4322% | 3,926 |
| Net charge-offs to loans | 0.0213% | 6,043 |
| Credit loss provision to net charge-offs | 1,090.9091% | 345 |
| Earnings coverage of net charge-offs (x) | 95.6364% | 347 |
| Efficiency ratio | 68.8481% | 4,417 |
| Assets per employee ($millions) | 3.2076% | 5,671 |
| Cash dividends to net income (ytd only)* | 65.8836% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 7,185 |
| Loan loss allowance to noncurrent loans | 247.0779% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 6,603 |
| Noncurrent loans to loans | 0.2959% | 6,638 |
| Net loans and leases to total assets | 58.5767% | 5,319 |
| Net loans and leases to deposits | 66.9116% | 5,696 |
| Net loans and leases to core deposits | 69.3043% | 5,941 |
| Total domestic deposits to total assets | 87.5434% | 2,236 |
| Equity capital to assets | 11.2465% | 2,644 |
| Core capital (leverage) ratio | 10.3277% | 2,794 |
| Tier 1 risk-based capital ratio | 16.8598% | 2,335 |
| Total risk-based capital ratio | 17.5670% | 2,496 |
| Memoranda: | ||
| Average total assets | $175,617,000 | 3,509 |
| Average earning assets | $163,790,000 | 3,450 |
| Average equity | $19,462,670 | 3,246 |
| Average total loans | $103,446,000 | 3,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 5,926 |
| Cost of funding earning assets | 1.2257% | 5,252 |
| Net interest margin | 3.5638% | 4,884 |
| Noninterest income to average assets | 0.4817% | 4,190 |
| Noninterest expense to average assets | 2.6756% | 5,026 |
| Loan and lease loss provision to assets | 0.1370% | 5,193 |
| Net operating income to assets | 0.9642% | 2,316 |
| Return on assets (ROA) | 1.0456% | 2,081 |
| Pretax return on assets | 1.0570% | 2,883 |
| Return on Equity (ROE) | 9.5053% | 2,289 |
| Retained earnings to average equity (ytd only) | 4.3168% | 3,561 |
| Net charge-offs to loans | 0.0233% | 5,250 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 81.1667% | 383 |
| Efficiency ratio | 70.6450% | 4,188 |
| Assets per employee ($millions) | 3.2241% | 5,714 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 7,358 |
| Loan loss allowance to noncurrent loans | 2,614.8148% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 7,030 |
| Noncurrent loans to loans | 0.0263% | 7,349 |
| Net loans and leases to total assets | 57.4524% | 5,532 |
| Net loans and leases to deposits | 65.4289% | 5,884 |
| Net loans and leases to core deposits | 68.0621% | 6,097 |
| Total domestic deposits to total assets | 87.8089% | 2,170 |
| Equity capital to assets | 10.9499% | 2,808 |
| Core capital (leverage) ratio | 10.2560% | 2,866 |
| Tier 1 risk-based capital ratio | 16.7496% | 2,361 |
| Total risk-based capital ratio | 17.4059% | 2,542 |
| Memoranda: | ||
| Average total assets | $175,215,500 | 3,572 |
| Average earning assets | $162,521,000 | 3,518 |
| Average equity | $19,273,500 | 3,296 |
| Average total loans | $103,118,000 | 3,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 6,007 |
| Cost of funding earning assets | 1.5220% | 5,429 |
| Net interest margin | 3.5968% | 4,562 |
| Noninterest income to average assets | 0.5823% | 3,764 |
| Noninterest expense to average assets | 3.0323% | 4,018 |
| Loan and lease loss provision to assets | 0.1159% | 6,486 |
| Net operating income to assets | 0.8150% | 2,476 |
| Return on assets (ROA) | 0.8319% | 2,494 |
| Pretax return on assets | 0.8456% | 3,098 |
| Return on Equity (ROE) | 7.4170% | 2,609 |
| Retained earnings to average equity (ytd only) | 1.0278% | 4,315 |
| Net charge-offs to loans | 0.2843% | 4,855 |
| Credit loss provision to net charge-offs | 68.9046% | 6,515 |
| Earnings coverage of net charge-offs (x) | 5.6148% | 2,543 |
| Efficiency ratio | 76.2552% | 3,483 |
| Assets per employee ($millions) | 3.1474% | 5,868 |
| Cash dividends to net income (ytd only)* | 86.1429% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6290% | 7,517 |
| Loan loss allowance to noncurrent loans | 1,124.1379% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 7,068 |
| Noncurrent loans to loans | 0.0560% | 7,283 |
| Net loans and leases to total assets | 59.5015% | 5,416 |
| Net loans and leases to deposits | 67.9303% | 5,839 |
| Net loans and leases to core deposits | 73.8711% | 6,541 |
| Total domestic deposits to total assets | 87.5919% | 2,177 |
| Equity capital to assets | 11.0511% | 2,672 |
| Core capital (leverage) ratio | 10.3924% | 2,695 |
| Tier 1 risk-based capital ratio | 16.4606% | 2,337 |
| Total risk-based capital ratio | 17.0632% | 2,536 |
| Memoranda: | ||
| Average total assets | $168,289,200 | 3,638 |
| Average earning assets | $158,809,400 | 3,539 |
| Average equity | $18,875,600 | 3,361 |
| Average total loans | $99,549,200 | 3,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 5,959 |
| Cost of funding earning assets | 1.6126% | 5,347 |
| Net interest margin | 3.5675% | 4,605 |
| Noninterest income to average assets | 0.5698% | 3,928 |
| Noninterest expense to average assets | 2.9693% | 4,168 |
| Loan and lease loss provision to assets | 0.1077% | 6,300 |
| Net operating income to assets | 0.8484% | 2,624 |
| Return on assets (ROA) | 0.8626% | 2,629 |
| Pretax return on assets | 0.8754% | 3,299 |
| Return on Equity (ROE) | 7.6616% | 2,787 |
| Retained earnings to average equity (ytd only) | 1.4175% | 4,524 |
| Net charge-offs to loans | 0.3586% | 3,852 |
| Credit loss provision to net charge-offs | 50.9434% | 6,294 |
| Earnings coverage of net charge-offs (x) | 4.5812% | 3,087 |
| Efficiency ratio | 75.4002% | 3,610 |
| Assets per employee ($millions) | 3.0605% | 6,011 |
| Cash dividends to net income (ytd only)* | 81.4986% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6078% | 7,567 |
| Loan loss allowance to noncurrent loans | 1,089.2857% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 7,115 |
| Noncurrent loans to loans | 0.0558% | 7,365 |
| Net loans and leases to total assets | 59.2618% | 5,700 |
| Net loans and leases to deposits | 68.7416% | 6,060 |
| Net loans and leases to core deposits | 74.4792% | 6,701 |
| Total domestic deposits to total assets | 86.2095% | 2,582 |
| Equity capital to assets | 11.4991% | 2,584 |
| Core capital (leverage) ratio | 10.5015% | 2,793 |
| Tier 1 risk-based capital ratio | 17.0645% | 2,256 |
| Total risk-based capital ratio | 17.6488% | 2,414 |
| Memoranda: | ||
| Average total assets | $167,085,250 | 3,675 |
| Average earning assets | $157,752,500 | 3,583 |
| Average equity | $18,812,000 | 3,400 |
| Average total loans | $98,523,500 | 4,028 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 6,101 |
| Cost of funding earning assets | 1.7481% | 5,023 |
| Net interest margin | 3.4452% | 5,004 |
| Noninterest income to average assets | 0.5616% | 3,949 |
| Noninterest expense to average assets | 3.0275% | 3,974 |
| Loan and lease loss provision to assets | 0.1080% | 6,080 |
| Net operating income to assets | 0.6450% | 3,487 |
| Return on assets (ROA) | 0.6660% | 3,515 |
| Pretax return on assets | 0.6852% | 4,053 |
| Return on Equity (ROE) | 5.9579% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.7374% | 3,807 |
| Net charge-offs to loans | 0.5168% | 2,774 |
| Credit loss provision to net charge-offs | 35.5731% | 5,963 |
| Earnings coverage of net charge-offs (x) | 2.5415% | 3,797 |
| Efficiency ratio | 79.6905% | 3,098 |
| Assets per employee ($millions) | 3.1325% | 5,769 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5875% | 7,655 |
| Loan loss allowance to noncurrent loans | 544.3396% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 7,033 |
| Noncurrent loans to loans | 0.1079% | 7,252 |
| Net loans and leases to total assets | 57.7187% | 6,005 |
| Net loans and leases to deposits | 65.8852% | 6,404 |
| Net loans and leases to core deposits | 71.2543% | 6,950 |
| Total domestic deposits to total assets | 87.6049% | 1,968 |
| Equity capital to assets | 11.0248% | 2,900 |
| Core capital (leverage) ratio | 10.4568% | 2,853 |
| Tier 1 risk-based capital ratio | 17.4732% | 2,161 |
| Total risk-based capital ratio | 18.0374% | 2,314 |
| Memoranda: | ||
| Average total assets | $166,671,670 | 3,695 |
| Average earning assets | $156,625,000 | 3,623 |
| Average equity | $18,630,670 | 3,447 |
| Average total loans | $97,910,330 | 4,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 6,098 |
| Cost of funding earning assets | 1.8794% | 4,743 |
| Net interest margin | 3.3751% | 5,235 |
| Noninterest income to average assets | 0.4836% | 4,469 |
| Noninterest expense to average assets | 3.0297% | 3,635 |
| Loan and lease loss provision to assets | 0.1088% | 5,578 |
| Net operating income to assets | 0.4794% | 4,523 |
| Return on assets (ROA) | 0.5199% | 4,524 |
| Pretax return on assets | 0.5585% | 4,887 |
| Return on Equity (ROE) | 4.6183% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.6183% | 3,357 |
| Net charge-offs to loans | 0.0205% | 5,279 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 51.6000% | 709 |
| Efficiency ratio | 82.9252% | 2,422 |
| Assets per employee ($millions) | 3.1110% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 7,120 |
| Loan loss allowance to noncurrent loans | 195.0000% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 6,715 |
| Noncurrent loans to loans | 0.4153% | 6,381 |
| Net loans and leases to total assets | 56.8687% | 6,118 |
| Net loans and leases to deposits | 65.2283% | 6,444 |
| Net loans and leases to core deposits | 74.3946% | 6,785 |
| Total domestic deposits to total assets | 87.1841% | 2,129 |
| Equity capital to assets | 11.2581% | 2,757 |
| Core capital (leverage) ratio | 10.7165% | 2,723 |
| Tier 1 risk-based capital ratio | 17.3390% | 2,234 |
| Total risk-based capital ratio | 18.0976% | 2,321 |
| Memoranda: | ||
| Average total assets | $165,430,000 | 3,736 |
| Average earning assets | $155,371,000 | 3,660 |
| Average equity | $18,621,500 | 3,463 |
| Average total loans | $97,760,000 | 4,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 6,697 |
| Cost of funding earning assets | 2.2017% | 5,591 |
| Net interest margin | 3.5230% | 5,220 |
| Noninterest income to average assets | 0.6274% | 3,653 |
| Noninterest expense to average assets | 2.8028% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1335% | 2,016 |
| Return on assets (ROA) | 1.1386% | 1,913 |
| Pretax return on assets | 1.1417% | 2,869 |
| Return on Equity (ROE) | 10.0745% | 2,232 |
| Retained earnings to average equity (ytd only) | 0.4444% | 4,983 |
| Net charge-offs to loans | 0.0113% | 6,764 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 162.5455% | 286 |
| Efficiency ratio | 71.0989% | 4,112 |
| Assets per employee ($millions) | 2.9612% | 6,147 |
| Cash dividends to net income (ytd only)* | 95.5891% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 7,306 |
| Loan loss allowance to noncurrent loans | 164.0798% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 6,376 |
| Noncurrent loans to loans | 0.4546% | 5,982 |
| Net loans and leases to total assets | 60.4571% | 5,844 |
| Net loans and leases to deposits | 69.1708% | 6,354 |
| Net loans and leases to core deposits | 80.9411% | 6,542 |
| Total domestic deposits to total assets | 87.4025% | 1,753 |
| Equity capital to assets | 11.2547% | 2,839 |
| Core capital (leverage) ratio | 10.8973% | 2,672 |
| Tier 1 risk-based capital ratio | 17.4127% | 2,202 |
| Total risk-based capital ratio | 18.1442% | 2,290 |
| Memoranda: | ||
| Average total assets | $157,304,800 | 3,769 |
| Average earning assets | $147,887,200 | 3,693 |
| Average equity | $17,777,600 | 3,596 |
| Average total loans | $96,939,200 | 4,036 |